Why do some of my checks clear faster now?
The latest change under the 21st Century Act or Check 21 now allows merchants to convert paper checks to electronic payment. Most large retailers have adopted this system. The result of this is that checks clear much more rapidly now. The days of a merchant accepting paper checks and and make daily trips to the bank are a thing of the past. The process of paying by check can be as immediate as a debit card transaction. The days of buying today and the check not clearing until 4 or five days later are over.
To avoid costly penalties in overdraft fees, keep a current check register and log all checks and debit card transactions and make sure funds on deposit in your draft account (checking account) before making a transaction.
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Here is the form to use when choosing to enroll in Overdraft Opt In