If you have deposited a check and your money is not available yet, you are likely dealing with a check hold. Check holds are common, but the timing can vary depending on where you deposit the check, the type of check, and your account history. This guide explains how long check holds typically last, why banks and apps place them, and what you can do to access your money faster.
What Is a Check Hold?
A check hold is a temporary delay before funds from a deposited check become available for use. Banks and financial apps place holds to verify that the check is valid and that the issuing bank will honor the payment.
Even though a check may appear in your account balance, that does not always mean the money is available to withdraw or spend.
How Long Do Check Holds Usually Last?
Most check holds fall within a predictable range, but the exact timing depends on the deposit method and the institution.
- Next business day: Common for payroll and government checks deposited at a bank where you have an established account
- 2 to 5 business days: Typical for personal checks and larger amounts
- 5 to 7 business days or longer: Higher-risk checks, new accounts, or unusual deposit activity
Weekends and bank holidays do not count as business days and can extend hold times.
Check Hold Times by Deposit Method
Bank Branch or ATM Deposits
Depositing a check at a bank branch or ATM usually results in the shortest hold times, especially if you are an existing customer.
- Payroll checks: often 1 business day
- Government checks: often 1 business day
- Personal checks: commonly 2–5 business days
Mobile Check Deposits
Mobile deposits are convenient, but they often come with longer or variable holds while the check is reviewed electronically.
- Some funds may be available within 1 business day
- Full availability may take 2–5 business days
- New users or large checks may face longer holds
If you rely heavily on mobile deposits, see our guide to mobile check cashing apps to compare processing speeds.
Check Cashing Apps
Apps like PayPal, Cash App, and Chime advertise faster access, but holds can still apply.
- Instant access may require a fee
- Free deposits often take 1–5 business days
- Verification reviews can delay funds
You can learn more in our guides on PayPal check cashing and Cash App check deposits.
Why Banks and Apps Place Check Holds
Check holds are primarily about risk management. Common reasons include:
- The check amount is unusually large
- The account is new or has limited history
- The check is from an unfamiliar issuer
- Previous deposit issues or overdrafts
- Fraud prevention reviews
If a check fails verification, it may be delayed further or rejected entirely. See why checks get rejected for common causes.
Can You Get Money Before the Hold Ends?
In some cases, yes. Options may include:
- Partial fund availability before full release
- Paying an instant deposit fee through an app
- Cashing the check at a retailer or check cashing service
If you need cash immediately, see our guide on how to get cash immediately after a deposit.
How to Reduce Future Check Hold Times
- Deposit checks at the same bank consistently
- Maintain a positive account balance
- Avoid depositing unusually large checks without notice
- Deposit earlier in the business day
- Build account history before relying on mobile deposits
Check Hold FAQs
Does a pending deposit mean the check cleared?
No. A pending deposit means the check has been received but is still under review. Funds may not be available yet.
Do government checks have shorter holds?
Often yes. Government checks typically clear faster, especially at traditional banks.
Can a bank extend a hold after release?
In rare cases, yes. If a problem is discovered after provisional credit, funds can be reversed.
Bottom Line
Check holds are frustrating, but they are a standard part of the banking system. Most holds last between one and five business days, depending on the check type and deposit method. Understanding why holds happen and how long they typically last can help you plan better and avoid surprises when accessing your money.
