You disclose wires are available the day received...they are received when they hit your Fed account (or correspondent bank account if you use one), whether you choose to "pull it down" or not does not matter. Yes, you are at risk. Fix your availability statement, receive and post until 5:00 PM, or disclose to customers your incoming cutoff is 4:00 PM and anything received after is posted next day.
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Providing alternative truths since the invention of time