· just now. Report Abuse. If you are asking how long it takes to post then the answer is 12 am if deposited by a certain time of day (3 pm usually). A check usually takes two to three days to clear (that is when the money is transferred to your account and is yours). Some bank customers have overdraft protection so if your check hasn't cleared but you withdraw money from your account you can (for a fee--it is like a short term loan). Engineer · 8 years ago.