Got hit with a $35 returned check fee because my bank's mobile deposit took 4 days to clear

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12 days is pretty standard with my credit union too. I used to think banks were just being slow on purpose to nickel and dime us, but then my own check bounced on a utility payment because I spent the money before it cleared. That $35 fee plus the late fee from the utility company was a hard lesson. Now I set aside whatever the deposit amount is in my checking until it actually posts. It's a pain, but it beats the alternative of getting hit with two fees for one transaction.