Check21 should have alleviated this but I think ACH and Check21 are separate rules systems. A bank I use (USAA) lets me scan checks and upload the image to dep

Check21 should have alleviated this but I think ACH and Check21 are separate rules systems. A bank I use (USAA) lets me scan checks and upload the image to deposit the check. Funds are available instantly (I do not know if they are lending me the funds interest free during the window, or if it is actually cleared instantly).