How long does it take for an out-of-state check to clear?

It can typically take up to five days for a check to clear if it is drawn on an out-of-state bank. Banks may also place a temporary hold on the check if the amount is large, which takes up to an additional six days.

The amount of time it takes for an out-of-state check to clear a bank account depends on the bank's policies. The clearance process for checks involves the time it takes for the check to be delivered to the bank it has been drawn on and the time it takes to be paid into the payee's account.