Do you have a separate Funds Availability disclosure for business accounts? If so, you can add the Substitute Check disclosure to your consumer version and leave it off the business disclosure (businesses aren't entitled to the SC disclosure). Otherwise, I see no problem combining the two.
That said, you will still need a separate SC disclosure to give consumer customers who get a SC (other than in a statement) from you.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8