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 eCheck Solutions Compared Do You Need Special Paper? How to Deposit Checks Do I need to have a US Bank Account? Can a check get Returned? Comments 0 comments Please sign in to leave a comment.