Why is there a hold on my check?

When you make a deposit, your funds must go through one of the US Federal Reserve central clearinghouses. This process may require your deposit to be put on hold while the funds are cleared. Holds are put in place to protect you and your account in the event that your check does not clear. Using funds from an uncleared check could result in an overdrafting of your account, which would result in other payments bouncing. The best way to avoid experiencing these holds is to request payments as an ACH.