A computer program is not a "reasonable cause to doubt collectability"
Exception reasons include:
1. Check stale dated or post-dated
2. Check previously returned unpaid
3. Customer engaged in kiting
4. Unable to verify endorsement of a payee
5. Check deposits exceed $5000 for a single business day
6. Customer's account repeatedly overdrawn
7. Emergency conditions (War, natural disaster, etc.)
Certainly a computer program can be a tool, and for a "flagged" deposit, if one of the above reasons apply, use and exception hold. If none of the above reasons apply, then a case-by-case.
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