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. And when there’s a delay? It can feel confusing or even frustrating. But check holds are never about keeping your money from you — they're about protecting you and your account.

Sometimes, we need to place a temporary hold on a check to make sure the money clears safely. It's one of the ways we help guard against fraud, bounced checks and other issues that could impact your balance.

Wait — What Is a Check Hold?

A check hold is simply a pause — just a short delay — before your deposited check becomes fully available in your account. Most of the time, it clears within a day or two. But certain situations might require a little more time, especially if the deposit is unusually large, from an unfamiliar source or tied to a new account.

While the idea of a hold can feel inconvenient, it’s actually a smart layer of protection — for you and for the credit union.

What’s Changing — and Why It Matters

Starting July 1, 2025, the federal rules that guide how check deposits are processed are being updated. These changes are designed to reflect the current economy and provide greater access to your money sooner.

The good news?

With these updates, more of your check may be available faster than before — especially for smaller check amounts and cash withdrawals.

These adjustments don’t change the fact that we may still place holds when needed to protect your account — but they do mean the starting point for access is more generous across the board.

How You Can Stay in Control

Even with changes to the rules, there are still easy ways to stay on top of your money and avoid surprises:

Ask us before you deposit

Not sure if a hold might apply? Just ask — we’re happy to help you understand what to expect.

Use direct deposit when you can

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

Keep a little extra in reserve

It’s always smart to avoid relying on a deposit to cover same-day expenses — just in case a hold applies.

We’re Here for You

Financial systems and regulations change — but our commitment to you doesn’t. Whether you’re depositing a check, planning ahead or just want to feel confident in how your money moves, we’re right here with you.

You can do money

And we’re proud to help you do it — safer, smarter and more empowered than ever.