The only way to know for sure that a check is good is to take the check to the bank or credit union it is drawn upon. That financial institution will be able to tell you immediately if the check is legitimate. If all is well, they will be able to cash the check or exchange it for an official check drawn on that bank or credit union. If you deposit the check into your bank or credit union account,
Know that your endorsement of the check guarantees to your bank or credit union that the check is good. Even if your bank or credit union releases their regulatory hold, there is a possibility that the check will return. If this happens, the funds will be deducted from your account. If the funds are already gone from your account, you will be responsible for the resultant overdraft situation.