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Unfortunately, I've had problems in the past. I've made a deposit on Friday, after business hours (after their cut-off for crediting deposits that same day), written a check later that same day, and because the deposit will not be credited until Monday, but the debit is listed on Saturday, my account has been overdrawn until I go in and show the bank that the funds really were there. I don't think the bank should be able to list a debit if they do not also list credits that same day. This seems unfairly biased against consumers and designed to extract fees from them.
That is bank regulation for business days. Its not intended to be unfair. I have the tellers tell all of the customers about availability. This will eventially change. Find a bank that is on-line (most banks will be soon to allow check21 to really work). Online banks allow you to deposit cash and have it available immediately. There has to be some rules to keep it from getting crazy. Now that there are 24hr and 7 day a week banks it makes it crazy. You have to draw the line somewhere but that line will be changed in the near future.
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