One of the reasons I suggest mirroring your Reg CC availability schedule is that the Fed and Bureau may some day stun us all and bring subpart B of Regulation CC into something current, with updated disclosure formats, no mention of nonlocal checks, and, yes deposits of checks captured in image format, remotely. When that happens, if your schedule for RDC/mRDC image deposits varies from your schedule for paper checks, you'll have notice requirements.
On the other hand, maybe everyone will finally abandon the use of checks, and we can all put a permanent exception hold on Reg CC.
I don't have much faith in either outcome.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8