I understand people's fustration but I think the bank may be justified in holding a Deposit@home until the check clears for fraud reasons. There is nothing to stop a criminal type from sending a picture of the check to several bank accounts plus taking it down to the nearest check cashing facility. I'm sure everyone who has issues with the Deposit@home aren't criminals but technology is still lagging in providing instant security for a convience like this and the bank is trying to protect itself and its customers. This policy/procedure may become more wide spread as more banks use apps that allow deposits without the physical check in hand. When technology reaches the point that check clearing is instantaneous, check holds will be unnecessary. Are mailed in checks held until they clear?