How long does it take for physical checks for clear? Jeff Swersky September 06, 2018 22:39 Updated Follow 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? eCheck Solutions Compared Can a check get Returned? Do I need to have a US Bank Account? How can I deposit a Printed Check? (Can I take it to the bank?) Comments 0 comments Please sign in to leave a comment.