Upon debiting a provisionally credited amount, the financial institution shall:
(ii) Notify the consumer that the institution will honor checks, drafts, or similar instruments payable to third parties and preauthorized transfers from the consumer's account (without charge to the consumer as a result of an overdraft) for five business days after the notification. The institution shall honor items as specified in the notice, but need honor only items that it would have paid if the provisionally credited funds had not been debited.
The regulation and commentary provide no exemptions for this notice, thus, when this happens at our institution, the notice is included in the letter sent to the customer.
It is better to act cautiously beforehand than to suffer afterward.
The answers I give are my opinions. Not legal advice.