The confusion may come over the system.... there are some teller systems out there that have as a choice "checks as cash" - this option can be used when the teller/bank wants to circumvent any universal hold options they have placed on the system. A bank where I used to have an account had this option. If I was to deposit a check drawn on another local bank, the would use 'local check' deposit to generate the appropriate local check hold, the 'transit check' deposit to generate a non-local hold and the 'checks as cash' option when I was depositing an 'on-us check'. I believe they also used that option for the deposit of Federal government checks, cashier's checks and the like. So depending on where one banks and the system used, it may show up somewhere as an option. The system we have offered such a choice but as we are a next day availabilty bank we didn't need it, and we don't set up automatic holds based on type of check deposited.
Opinions are mine and mine alone.
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The paradox of planning is nothing happens....
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