Smaller checks under $1,000.00 usually take 2 to 3 days to clear the bank and have the funds available into your bank account to use.
A $10,000.00 check is a larger check so it can take from 5 to 6 business days for the $10,000.00 check to clear the bank and have the funds posted to your checking account.
It takes a bit longer for larger checks to clear because they really want to verify the check and get the money from the check before posting it to your account.