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When I did get checks and walked into my bank (small local bank with maybe 10 locations) to cash them the funds were always available immediately for me. Not sure if it's still the case because it's been years since I've even touched a check. But the only time a check bounced they went after the bank it was drawn on and let me keep the funds while they went after it.
As for wires, I bought a car 2 weeks ago and wired the money to the seller and it showed up in his account by the time I got home. My bank (again, local that I've banked with for 20+ years) ate the fees because it didn't cost me anything.
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