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I think it depends on how much you have in your account.
If you're trying to cash a 5K check and only have 1k in the bank then they're going to make you deposit it and wait.
If you have more than enough in your account to cover the check should it bounce then there are no problems.
Although I still get hold letters from the bank sometimes, when I forget to go make a deposit and end up depositing 2 weeks worth of $$ at once they put a hold on some of the funds for a few days.
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