I'm not sure what tools you're referring to, but I've always understood that for new account holds on next day items, the amount over $5,000 can be held for 9 days. If the deposit being made qualifies for one of the exception holds (reasonable cause to doubt collectability, large deposit, emergency condition, or repeat overdrafter - I hope not yet!), then you can place that hold instead of the new account hold if it's beneficial to do so.
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Don't make me say, "I told you so!" Sincerely, your friendly Compliance Officer.