How long does it take for a $100,000 check to clear?

Asked by: Felicita Senger  |  Last update: February 3, 2026
Score: 4.9/5 (68 votes)

A $100k check usually takes 2 to 7 business days to fully clear, with banks often holding large amounts (over $5,525) longer than standard checks (which clear in 1-2 days) due to federal regulations that allow for longer holds on large or potentially risky deposits, making the first $225 available sooner but holding the rest. Factors like your bank, account history, and the check's origin (e.g., same bank vs. different bank) influence the timeline, with certified/government checks clearing fastest.

How long does it take to clear a $100,000 check?

Generally, it takes two to five business days to get all the funds from a check into your account. However, some factors might hold up the check-clearing process, like the status of your account or the place where you deposited the check.

What happens if I deposit a $100,000 check?

For individual cashier's checks, money orders or traveler's checks that exceed $10,000, the institution that issues the check is required to report the transaction to the government. The bank where an individual deposits the check doesn't need to.

What is the best way to cash a large check?

  • Cash the check at a financial institution where you are a customer, e.g. you may have a savings account.
  • Cash the check at a branch of the bank on which the check is drawn. You will probably be subject to a service fee.
  • Cash the check at a WalMart Money Center or at a check cashing service.

Can I cash a check and get cash immediately?

Check cashing service

Regions offers check cashing services — including handwritten, out-of-state, insurance, two-party, tax refunds, business, government and payroll — so you can get your cash immediately.

How long does it take for a $10,000 check to clear?

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How long does it take for a $500,000 check to clear?

Personal checks typically clear within two business days. It can take up to seven days for some accounts. Government and cashier's checks and checks from the same bank that holds your account typically take one business day to clear.

What to do with a 100k check?

Wondering what to do with $100,000 in savings? Here are 4 smart options.

  1. Pay off high-interest debt. ...
  2. Build an emergency fund. ...
  3. Create sinking funds. ...
  4. Max out your retirement contributions.

Do banks get suspicious of large deposits?

A large deposit is simply reported by a bank to regulators to track possible suspicious activity. Businesses must also file IRS Form 8300 within a specific time frame after a $10,000 cash payment.

How can I speed up check clearing?

If you can't wait two days or more for a check to clear, here are some faster ways to send and receive money.

  1. Sign up for direct deposit. ...
  2. Use a peer-to-peer payment service. ...
  3. Opt for a wire transfer. ...
  4. Choose a bank that clears checks quickly. ...
  5. Deposit checks in person.

What kind of check clears immediately?

While a personal check can take several days to clear, the funds provided through a cashier's check are usually available the next business day after cashing — a major perk for sellers who want their money quickly.

What is the longest a check will take to clear?

Most checks clear within 2 business days, though some banks may hold funds for up to 7 days depending on the check amount and type. The first $225 of any check deposit must be available by the next business day, as required by federal law.

Is it safe to have $500,000 in one bank?

FDIC insurance protects bank deposits (savings accounts, checking accounts, CDs, money market accounts) up to $250,000 per depositor per bank. SIPC insurance protects brokerage accounts (stocks, bonds, mutual funds) up to $500,000 per customer per brokerage firm if the brokerage goes bankrupt.

Can I sue if my bank won't release my money?

If the bank will not release funds that are legally yours, you might have a valid legal claim. An attorney can help you understand your rights and responsibilities if your funds are being withheld.

Does cashing a check get reported to the IRS?

The answer is simple: the IRS does not track your check cashing locations in real time. Instead, it verifies income through employer-reported forms like W-2s or 1099s. Whether you deposit, withdraw, or cash a paycheck, your income remains taxable and reportable under federal law.

How much does it cost to cash a $100 check at Walmart?

Our check cashing fees are $4 for any checks up to $1,000. For checks between $1,001 and $5,000, the fee is $8. Two-Party Personal Checks are limited to $200 and have a max fee of $6.