If there are multiple hold reasons available to you, then pick the one that affords the bank the greatest protection.
Operationally, the question is, why would we open an account using a check for which we have reasonable cause to doubt collectability? If the account starts bad, it's not likely to get better for the bank going forward.
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Sola Gratia, Sola Fides, Sola Scriptura, Solus Christus, Soli Deo Gloria!
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