how long are check held for a new account
Non-local personal and business checks. If the check is from a bank in a different federal reserve district than the depositing bank, it can be held for 5 business days under normal circumstances. Exceptions for new customers during the first 30 days. Banks are not required to give next day ability on the first $100 of deposits, and both local and non-local personal and business checks can be held for a maximum of 11 business days. For items typically available on the next day, the first $5000 must be released on the next business day, but any amount over $5000 can be held for 9 business days.