Why Do Checks Get Held? (And What You Can Do About It)

At Westerra Credit Union, we know that when you deposit a check, you’re counting on those funds. When there’s a delay, it can feel confusing or even frustrating. But check holds are not about keeping your money from you, they’re about keeping your money safe.

A hold on a check deposit helps protect against fraud, bounced checks, and other issues that could impact your balance. Understanding what check holds are and why they happen can help you feel more confident about how your money moves.

What Does a Check Hold Mean?

A check hold is simply a short delay before a deposited check becomes fully available in your account. Most of the time, your funds are released within one or two business days, but sometimes it can take longer.

Common reasons for a hold on a check deposit include:

• The check amount is unusually large

• The check is from a new or unfamiliar source

• Your account was recently opened

• There’s reason to believe the check may not clear

While waiting can feel inconvenient, the purpose is simple: to ensure the check clears safely before the funds are withdrawn or spent.

How to Stay in Control of Your Deposits

Even though check clearing times have improved, holds can still happen. Here are a few ways to manage your money with confidence:

• Ask before you deposit:

  Not sure if a check might be held? Ask a Westerra representative — we’ll gladly walk you through it.

• Use direct deposit:

  It’s fast, reliable, and typically not subject to check holds.

• Keep a small cushion:

  Avoid relying on new deposits to cover same-day expenses, just in case a hold applies.

• Monitor your account:

  Westerra’s digital banking tools make it easy to see when your funds become available.

When you know how check holds work, you can plan ahead and avoid surprises.

FAQs About Check Holds

What is a check hold? A check hold is a temporary delay that allows your financial institution to verify that the funds from a deposited check are valid before making them available for withdrawal.

Why is my check on hold? Your check may be on hold if it’s a large amount, from a new account, or if there’s uncertainty about whether the funds will clear.

How long do check holds last? Most check holds last one to two business days, but some can take up to seven business days depending on the situation.

What does a check hold mean for my balance? It means that while the deposit appears in your account, the funds may not yet be available to spend or withdraw until the hold clears.

How do check clearing times affect my deposits? Check clearing times determine when deposited funds are available. They vary based on the check type, deposit method, and where it’s drawn from.

We’re Here for You

Banking rules may evolve, but Westerra’s commitment to transparency and member safety never changes. Whether you’re wondering about check clearing times, dealing with a hold on a check deposit, or just want to understand your finances better, we’re here to help.

Because at Westerra, you can do money, and we’re proud to help you do it safer, smarter, and more confidently than ever.