3 Cheques deposited before 4:30pm on Mondays to Thursdays and 5:00pm on Fridays are shown in your account instantly (next working day for deposits to credit card accounts). But the Expedited Funds Availability Act of 1987 requires that the first $200 of a deposit be made available to depositors by the next day. How Long Does It Take for a Check to Clear? If you pay a cheque in on monday it will clear on Thursday. Since the maximum branches of all banks covered under core banking solutions ( CBS), same bank cheques are cleared immediately on the same time/day. The cheque was from a relative's HSBC account to mine, so should it have cleared by now? Different factors can affect how long it takes a check to clear, such as your standing with the bank and the amount of the check. Federal law requires your bank to make the funds available to you within a certain amount of time, whether the funds actually arrived from the other bank or not. *This limit is shared by all available channels (the respective maximum daily transfer sub-limit for local ATM and Personal Internet Banking is HKD400,000, and for overseas ATM and phone banking is HKD50,000). The aftermath did. Frequestly Asked Questions for HSBC. The cheques will follow the normal cheque clearing cycle … - via the e-Cheque Deposit Box Service on HSBC's website - via the e-Cheque Drop Box on the HKICL website (HK Interbank Clearing Ltd). Because I've paid in several without any problems from the same person so would this make future cheques clear more quickly? The racism didn't come as a shock. A check has not necessarily cleared just because the money is availble in your account or appears on a receipt. To provide better service, cheque deposit machines in selected locations are available 24 hours a day, 7 days a week. Does the speed with which a cheque clears have anything to do with how reliable the account it's coming from is? Trump signs massive funding bill, averts shutdown Please note sometimes they might take a little longer to reach us. Wait a … Find out when and why … Cheques paid in at a Post Office will be added to your account when we receive them from the Post Office which is usually within two working days. How long it takes a check to clear depends on the amount of the check, your relationship with the bank, and the standing of the payer's account. Find answers to all of your questions about banking with HSBC, including credit cards, insurance, loans and foreign exchange. Learn how long it takes a check to clear at the top banks and when check deposit funds will be available for withdrawal. 3 working days excluding Saturday/Sunday. 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