phxpaul wrote:
Why bother cashing the check? If it were me, I'd just deposit it into the account I already have. Suffer the short hold. Local holds are only supposed to be for 2 days and they are supposed to give you partial immediate credit. Depends on the amount, but that's a federal funds availability rule, not BofA.
Sometimes you need the cash right away. I used to be quite poor and I had to get cash out of my paycheck as soon as I got it.