How Long Does It Take a Personal Check to Clear?

Although the exact amount of time can vary by bank and circumstance, a personal check typically clears within five business days. For an individual depositing a personal check into a bank account, the bank may offer a more specific estimate on the deposit slip.

Circumstances that can delay a check clearing include holds on the check. These are sometimes placed on a particular check by banks after they have evaluated an individual's banking history, current bank account status and the amount of the check. After a hold is placed by the bank, the check must be resubmitted for approval, which can delay the clearing time beyond the bank's usual estimate.