You tell your customers that funds will be available the next day on all items, unless an exception applies. What information comes to light to the bank overnight that you don't have when the customer makes the deposit in-person at the teller window that allows you to not give a notice of hold right then and there??
229.13(g): The notice shall be provided to the depositor at the time of the deposit, unless the deposit is not made in person to an employee of the depositary bank, or, if the facts upon which a determination to invoke one of the exceptions in paragraphs (b) through (f) of this section to delay a deposit only become known to the depositary bank after the time of the deposit.
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