How long can a bank legally hold a deposit?

The length of time a bank can legally hold a deposit varies based on the type of deposit and the bank's policies. Generally, banks must make funds available according to the U.S. Federal Reserve's Regulation CC, which requires most checks to be available within one to five business days. However, if a deposit is deemed "large" or if there are concerns about the account's stability, banks may place longer holds. Always check with the specific bank for their policies regarding holds on deposits.