You do not have to make $4,900 available twice just because you have local and non-local checks. Two options:
$100 next business day
$4900 2nd business day
$5000 7th business day
$10000 11th business day
-or-
$100 next business day
$4900 5th business day
$5000 11th business day
$10000 7th business day
_________________________
Don't make me say, "I told you so!" Sincerely, your friendly Compliance Officer.