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Home > Business Check Ordering Guide > Is there a limit to a personal check amount?

Is There A Limit To A
Personal Check Amount?

The short answer is that you can write personal checks for as much as you want if you have the money in your account, and the receiver can accept the amount. However, this has many considerations, which we’ll detail in this article.

Personal checks depends on your bank

While your bank may not limit high-value checks, there may be some fine print to read.

For example:
  • The money isn’t available immediately after check deposits since banks must process the transaction.
  • The Federal Reserve requires that banks make at least $100 from the deposit available to withdraw as cash within one business day, and some banks offer $200. If your bank is within the same “processing region” as the other bank, the rest of the deposit should be available by the third business day, excluding any account issues.
  • If the banks are outside of the “processing region,” banks have up to six business days to make the full deposit available to you.
  • If you deposit checks that add up to $5,000 in one day, banks may extend their hold schedules beyond the six-day maximum.
  • Banks can enforce further delays if you have an overdraft history, or the bank thinks the funds can’t be collected from the other account.

Caution with high-value personal checks

Sometimes, people that write you a big check don’t have enough funds in his/her account to cover it, causing the check to “bounce.” You could be charged a nonsufficient funds fee (NSF fee) and owe the bank an amount of money equal to the face value of the check.

This could get tricky if your bank didn’t realize there were nonsufficient funds for weeks, even if the deposit was fully available. If you have already spent the money, you’ll have to pay it back, in addition to possible NSF and overdraft fees.

While you can deposit checks over $10,000 at any bank or ATM, cashing this requires the bank to report it to the Internal Revenue Service (IRS), a rule for all cash transactions over $10,000.

If you need a substantial check, you may also want to consider cashier’s checks that the bank guarantees.

Business Check

Top tear personal checks

Top tear personal checks are a fundamental and essential way to securely pay people, businesses, and vendors. Now that you know the considerations with personal check amounts, it’s time to buy them.

Checksforless.com® offers a full range of top tear personal checks to showcase your personal style. With hundreds of designs, here are the most popular categories to choose from:
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  • Classic & Patterns
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  • Value Checks
You can also accent your checks with matching address labels and checkbook covers.

Checksforless.com® is proud to offer the following:
  • 100% product satisfaction.
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  • Simple reordering for all top tear personal checks.

Order your top tear personal checks today

Checksforless.com® is the ultimate destination for your top tear personal checks and all your banking supplies.

If you’re ready to order your stylish top tear personal checks that will save you time and money, visit us at Checksforless.com or call us toll-free at 800-245-5775 to get started or ask questions. We look forward to helping you with all your personal and business checking needs!

This page is made possible by Checksforless.com®. For more than 35 years, Checksforless.com® has provided over 500,000 businesses with high quality business checks, deposit slips, and other banking supplies with easy ordering and fast production times; all at the guaranteed lowest price in the nation. Our discount business checks are easily customizable and compatible with over 4,500 software programs including QuickBooks and Peachtree/Sage 50 (formerly Peachtree). Email or call us toll-free at 800-245-5775 or visit us online at Checksforless.com®.

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