Anon, there are two things we do to ensure (hopefully) that all items are deposited with the proper holds.
1. Training, both initial and annual.
2. Annual review by compliance. This inevitably turns up a few exceptions; those branches are then retrained in addition to the above normal training.
Also, bear in mind, that the customer is usually the first one to complain about an improper hold on their account. (actually, they even complain about the proper ones, too!