Answer:
The first $200 of "other" checks (those that are not next-day availability items) must be available in addition to the next day items. In your example, the customer must have full use of $4,200 on the business day after the day of deposit. The hold will be for $4,800. I'll offer a suggestion here that one extra day hold is all you get out of this, and it may not be worth the effort.