How long does it take for physical checks for clear? Jeff Swersky September 06, 2018 22:39 Updated This is a question that needs to be answered by your bank but many banks credit your account within 72 hours. Related articles Do You Need Special Paper? Can a check get Returned? Do I need to have a US Bank Account? How to Deposit Checks eCheck Solutions Compared Comments 0 comments Please sign in to leave a comment.