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If we are depositing money for a client with a bank draft and for some reason the bank says they will put a hold then we talk nicely with the manager or our contact at the bank and explain the situation and that is normally enough because of our relationship with them. Or if the client has a relationship with a banker then they can sort it out too.
Luckily most people are ok with waiting a few days and I haven't encountered the situation where a client needed money ASAP and was unable to access it.
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