My wife and I use deposit@home and deposit@mobile all of the time and the funds are always available immediately. I have used the UPS store twice for large deposits and each time the funds were also available immediately. Unfortunately, check and money order fraud has become a huge problem for banks in the last few years and is a leading cause of holds. If your funds are on hold you can call and ask for the hold to be removed. If you have a good history (no NSF or overdrafts, etc.), they may remove the hold. Just be aware, there is no guarantee that they will remove the hold just because you call in.