Previous S&L put everything into non-post. Before we opened for business, we made decisions to return/charge, return/no charge, pay/charge OD, or just pay/no charge. Then we processed the list----all before opening. That way there was no questions from customers making early deposits, then seeing returns. It was all real time - based on the previous day's balance. Statements and history portrayed exactly what happened and when. It was a great system!