@joannebaca - for awareness, all financial institutions are beholden to Reg CC which is a federal government regulation that sets standards for check clearing and requires financial institution to publish their check hold policy. While there are standards, each financial institution can have their own policy within the federal standards so, for example, large dollar value checks, out of local area checks, etc can be held for different lengths of time at different financial institutions based on the financial institution's indivual policy that they are required to publish to its customers.
You may have just been dealing with a credit union that was quite conservative and found a bank that is more liberal in their check cashing policies.
Credit unions and Banks both follow the same federal policy - Reg CC.
