I deposited my last paycheck last Friday. I only get paid monthly, so having timely access to my money is of great importance to me. In the past, I've always made counter deposits, but last time i did so, they said, "You can just use the ATM, it's exactly the same." So this time I did use the ATM. Previously the funds would be available the following day, which is great! Making the assumption that this was the case, I went and bought a new pair of dress pants (for my new job) and a coffee maker (basically... same purpose) on Saturday. When I stopped in at Best Buy to replace my broken router, my card was declined. Weird.
I found out that the ATM will put a five day hold on any check that appears in any way to be "irregular" - and irregular can include an account that was overdrawn any time in the last six months, or from a different source than the usual checks, or at a different branch, or above a certain amount, ... or basically, any reason at all. It's bad enough to get paid monthly, but to get denied access to my check for an additional week because the ATM is fussier than a human teller is just outrageous. What's worse- they're going to hit me with overdraft charges for the stuff I picked up on Saturday.
Lesson to be learned - always, always, always give your check to a human being, and not to the ATM.