How long can a bank hold funds?

Most banks hold funds for 4 business days or less. When a bank puts a hold on your funds, there are a few reasons. If you deposit a paper check, the bank puts a hold to have some time to validate the check. This kind of hold usually takes between 2 and 7 business days. Seven days is a hold period for a large deposit. A hold can save you possible overdraft fees if a check is returned unpaid. Often banks are very cautious towards new accounts. Making large deposits and withdrawals will certainly match a pattern of scammers. Therefore it is better not to move large amounts of money. The best way to break the hold after 4 days is to call the bank and ask to release your funds.