First I would cut the "Checks take N days to clear", The only way to do this unilaterally is to loan your customers money you don't have for certain, yet. Leg

First I would cut the "Checks take N days to clear", The only way to do this unilaterally is to loan your customers money you don't have for certain, yet. Legally, checks can be revoked up to six months later, so how many days a check takes to clear indicates nothing more than the confidence the bank has in final clearing, which won't happen for some time after that. So, people with bad credit, or who have previously overdrawn, are probably higher risks for depositing checks (especially personal checks) which may be revoked later.