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I don’t know if this is general policy for all accounts or if there’s some balance threshold to enable it, but these days Schwab will instantly clear up to $10,000 of checks deposited via Mobile Deposit.

If for whatever reason you don’t have overdraft protection, they will send out an email if an ACH presents which would cause an overdraft and they give you until 10:00am the next day to transfer in funds to cover it.




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