I'm with Bank of Montreal and they never hold any checks.
If you're a new customer to the bank, its normal for them to want to hold all checks for 15 to 30 days. But once you have been there a while and either trust you or you have lots of money or investments with the bank, they will clear all of your checks the same day no problem. When you're a good customer (you don't cost them any money or time), they love you and want to keep your business.
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