How long does a out of state check take to clear?

Question

I got paid with a check from Arizona for some cleaning I did.I deposited the check on Monday the 29th and it has not cleared.How long will it take.

Answer 1

The simplest and fastest way to know exactly where you stand is to just call your bank.  They will tell you instantly when you can use those funds.

Answer 2

if you ever do this again, be sure and take a copy of that check for your records.  You can always call that bank to see if it would clear.  I use to have to do this when my employer woud write bad checks. Different circumstances i know.  i would cash my check when i would make the deposits.  so i knew i would get my $.  Needless to say the co. bankrupted.   It shouldn't take over 3 business days to clear, unless the funds are not there.  Then they will run it again.

Answer 3

That depends on how long your bank put a hold on the funds.  These days a check will clear processing the next day if it is good.

Answer 4

Federal Reserve Regulation CC covers how long a bank can put a hold on deposits that you make to your account.  It depends upon whether the check is drawn on a local bank, how large it is, and what your banking record is with regard to bad checks.  Here's a link that will explain it to you:  http://www.federalreserve.gov/Pubs/regcc...

Your bank is free to place holds on funds for LESS time than the law allows but NOT for more time than is allowed.