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i use Bank of America never had a problem, as for funds clearing it takes 1 business day depending on the size of the check and what you average daily balance is. Say you deposit a $15,000 check and on average you have about 50-60k in your account per day, the check will clear the next day. But, if you have only $100 in your account on avg per day they're going to wait till the funds are secured before releasing. Also there's different business account levels if you maintain a high balance.
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