With Check 21, your bank will know if the funds are good by the third business day after check was deposited. With it being a new account, they will probably stick to the 10 day hold however based upon policy. Large deposits into new accounts typically send up some red flags. Speak to someone in authority at the bank and explain your situation. If they stick to the policy, find another bank. Next time if you can wire or ACH the funds or even use a P2P vehicle to move you money, you should not have to deal with a check hold. The key is to avoid checks, especially with a new account.