You need to verify what drives your "collected balance". If it is your proof sort table, test to make sure that balances are updated in accordance with when the bank receives credit for funds. Reg CC requires bank to begin accruing interest on interest-bearing accounts not later than the day on which the bank receives credit for the funds deposited. If you getting credit the next day, but not updating your account collected balances, you are in violation.
Also, make sure you are not impacting the collected balance with other parameters that may exist in your system (such as cash back on split deposits). I've seen that happen.
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