How Long Can A Bank Hold A Cashier's Check?
Also, according to Regulation CC (Reg CC) of the Federal Reserve, cashier's checks are recognized as "guaranteed funds", and amounts under $5,000 are not subject to deposit hold (except in the case of new accounts). The length of a hold varies (2 days to 2 weeks) depending on the bank.
Can a bank place a hold on a cashier's check?
The bank can place a hold on the entire amount of the cashier's check if it has reasonable cause to believe the check is uncollectible from the paying bank.
Aren't cashier's checks supposed to be honored immediately?
Why is my cashier's check on hold?
Banks place holds on checks to make sure that the check payer has the bank funds necessary to clear it. In addition to protecting your bank, a hold can protect you from spending funds from a check that is later returned unpaid. That's important because it could help you avoid accidental overdrafts and related fees.
Why your bank is holding your check, and what you can do about it