I know that only the treasury check gets next day under a new account.
This is not an accurate statement. Look at the reference in 229.13(a)(1)(ii) for new account exceptions:
(ii)
Is subject to the requirements of Sec. 229.10(c)(1) (i) through (v) and Sec. 229.10(c)(2) only with respect to the first $5,525 of funds deposited on any one banking day; but the amount of the deposit in excess of $5,525 shall be available for withdrawal not later than the ninth business day following the banking day on which funds are deposited;
That reference covers Treasury checks, U.S. Postal Money Orders, Federal Home Loan or Federal Reserve checks, checks drawn on state or local government where you have offices, and cashier's, teller's and certified checks. In short, you must make $5,525 from those available next day and the remainder by the ninth business day.
If you use the large item exception in 229.13(b), then the first $5,525 of those checks must be made available the next business day and the remainder by the seventh business day.
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