In your case, placing a hold for 2 weeks. That's the longest they are legally able to place a hold, so they almost always exercise that right. On the paying bank side, even though the check has cleared their account they still have up to 40 days to claim an expedited recredit (12 U.S. Code § 5006). The 40 days begins from when the monthly statement is mailed to the account holder or the paid check it made available to the account holder.
https://www.quora.com/Why-do-banks-such-as-BofA-place-a-hold-on-deposited-checks-for-about-two-weeks-when-it-has-cleared-on-the-other-end-What-do-they-do-with-this-money
Banks can hold deposits based on regulations. There are rules that allow a bank to take funds back funds they have paid to another bank to clear a check many months later (in some cases). More importantly there is no built in notification system between banks to notify each other when payments have cleared.
https://www.quora.com/Why-do-banks-such-as-BofA-place-a-hold-on-deposited-checks-for-about-two-weeks-when-it-has-cleared-on-the-other-end-What-do-they-do-with-this-money
Read your bank's Account Agreement, which outlines procedures for placing holds on checks and the maximum time a check can be held. Banks do this to protect themselves from bad checks and other fraud.
https://www.sapling.com/6368627/stop-10day-hold-cashiers-check
Go to your bank and speak with a bank representative. Explain that you have a cashier's check you need to deposit and would like to have no hold placed on the check. Step. Provide the representative with your identification and account information. Fill out a deposit slip with all pertinent information.
https://www.sapling.com/6368627/stop-10day-hold-cashiers-check
Answers about Funds Availability. Select from the following questions about when funds are available after deposits and deposits placed on hold. A friend wrote me a check to repay a small debt. The bank that the check is drawn on has released the funds, but my bank is still holding the funds. Can it do this? How long can the bank place a hold on government checks (e.g., social security and treasury checks)? Can the bank place a hold on a payroll check?
http://www.helpwithmybank.gov/get-answers/bank-accounts/funds-availability/bank-accounts-funds-avail-quesindx.html
In short - the check can still be returned and deducted from your account at any point; even if it has cleared the payee's account and the hold has been removed from your account. Solution - Cash the check at the bank it's drawn from and deposit cash. Ask for an official check/bank check/cashier's check instead of a personal check. Or once you know the check has cleared, you can ask a bank representative to call the paying bank, and try to verify the check has been paid in order to remove the hold sooner.
https://www.quora.com/Why-do-banks-such-as-BofA-place-a-hold-on-deposited-checks-for-about-two-weeks-when-it-has-cleared-on-the-other-end-What-do-they-do-with-this-money
A cashier's check is a bank draft purchased by a bank customer and written on the bank's deposits, not the customer's. When a cashier's check is obtained, the exact amount of the check is deposited into the bank's general fund and a check is written off the funds in the bank's accounts. Even though these are guaranteed funds, bank policy may require that checks from another state or bank be held for 10 days or more because the bank must wait for the other institution to release the funds and clear the check. You can reduce or stop the hold on a cashier's check you're depositing by understanding the Check 21 Act, federal legislation that took effect in 2004 and set forth procedures for checks to clear near immediately through electronic means. credit: Comstock Images/Comstock/Getty Images.
https://www.sapling.com/6368627/stop-10day-hold-cashiers-check
The clearing cycle used to be 1  : “Crossing bank”. 2  to Central Clearing house, 3  down to the Drawer’s head office. 4  Verification at Branch level. At Branch level if the cheque was not drawn correctly or there was suspicious activity, the Manager would intervene, and “return” the cheque to the Crossing Bank, in turn they would send it back to the payee.
https://www.quora.com/Why-do-banks-such-as-BofA-place-a-hold-on-deposited-checks-for-about-two-weeks-when-it-has-cleared-on-the-other-end-What-do-they-do-with-this-money
Certainly, if I can place a credit in to my account in say, London, and the same bank with the branch in another part of the Country can show the same day; I don not see why this three day business need to be.
https://www.quora.com/Why-do-banks-such-as-BofA-place-a-hold-on-deposited-checks-for-about-two-weeks-when-it-has-cleared-on-the-other-end-What-do-they-do-with-this-money
Go to your bank and speak with a bank representative. Explain that you have a cashier's check you need to deposit and would like to have no hold placed on the check. Provide the representative with your identification and account information. Fill out a deposit slip with all pertinent information.
https://www.sapling.com/6368627/stop-10day-hold-cashiers-check
how long can the bank put a hold on my check?
Bank policy may require that checks from another state or bank be held for 10 days or more because the bank must wait for the other institution to release the funds and clear the check. Bank policy may require that checks from another state and bank be held for 10 days and more because the bank must wait for the other institution to release the funds and clear the check.