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In the USA it usually depends upon your banking history. If you deposit checks of a certain amount each month for several months their computers won't place a hold. When an unusually large check arrives their computers place a hold because it is abnormal, and a risk to them!
The USA "Clearing System" is pre-historic, well at least not up-to-date! Unlike Europe, and many other places, that have a central clearing system, the USA doesn't!
If you deposit a check in a US account it only gets cleared when the paper is shipped, or on the basis that you have a history of doing these transactions and they "trust you" and the creditor!
I always laugh at this myself, as a European, married to a wife that worked for the largest of US banks. The US desperately needs a computerized clearing system, that doesn't take 10 days to function!