when you want to cash a check do they make sure it clears first or do they give you the money right away?

Question

at a bank

Answer 1

They cash it first. If they are worried about the check, or don't trust you, they will put a hold on your account for the amount of the check for a couple of days.

They may refuse to cash it if you don't have that same amount on account with them already. Depends on whether the teller knows and trusts you, and what the computer says about your history.

It takes time for the check to go through the check clearing process. It used to take days, but they've sped it up, and sometimes do it electronically.

Theoretically, a bad guy could have $1000 in his account, and then go around town and write 10 checks for $999 each. Even if you call his bank, they may say, "yeah, he has $1000." But by the time the checks all clear, only one is going to be good, and the other 9 bad. So that each bank that cashed the checks is going to try to scramble so that they don't lose any money on the deal.

Answer 2

If the check is like a county check from your county, usually they give you the money. But other checks must clear. If you have enough money in the bank to clear the check you can get money.
So, if you have a check from Aunt Jane for 200.00 and you have 100.00 in the bank, you can get 100.
If you have 20 in the bank, then 20.

Answer 3

depends on if they check was drwawn from an account at the bank your gonna go to. Look on the check and see where that is if its at one you know of then go there. Other wise like the 1st answer said they will give you the amount you have in your account untill it clears