No bank just clears the cheque as soon it is deposited , there are types of clearance
1st .normal domestic clearance 2/3 days, depending on bank, branch but max 3 days.[is governed by the country banking laws]
2. bank might purchase the cheque on a few conditions,  the previous track record of the customer.  local manager calls the other bank to verify if the cheque is legit .  if you know the branch manager well enough for him to ask for urgent clearance [ happens in very rare cases in small towns, but does happen. this case most likely belongs to the 1 or 3rd category , in no way the bank is responsible for this.
3] urgent clearance or high value clearance , this applies to cheques above a certain amount which have to deposited before a certain time in the morning and is only applicable to local intra city banks , in that case the cheque is send via hand to the issuing branch or bank for immediate clearance , totally safe , rules change from country to country .
there is no loophole to fixed . also you people are debating this from the American banking laws which are very different from the one in question. each country has it's own rules regarding clearances of cheques.
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