I find it odd and disturbing that checks can be cleared THAT very MOMENT by companies like Sam's Club, Walmart, Sears, and many others. Why must a bank even hold a check for any amount of time?? Either it's good or it's not. I thought that there was a law passed a few years ago saying that when one writes a check, that the funds can be made available immediately?? The banks don't seem to be honoring that law and raping their customers in the process with wrongfully imposed fees. I just recently read an article on a similar subject. Banks would process all of the checks written on an account before they would process any deposits, regardless of the actual order they hit the bank. This resulted in many bounced check fees. It's all a money making scheme.