I haven't been able to satisfy my question using Google. As far as I can tell, checks drawn on my account clear sometime after midnight. I go to bed and they're not cleared. Next morning when I wake up some may have cleared. I can't recall though if this happens overnight Saturday night to Sunday morning, or overnight to the next morning if the day is a holiday. It seems to me that they don't, and that you'll see checks posted as cleared only if the previous day was Monday-Friday and not a holiday. In other words today is Saturday and Monday is MLK day so the next chance to see a check cleared and posted to my account is Tuesday morning, right?