I used to deal with that crap all the time at my previous bank. They would charge my account and then because they charged the account the next check would bounce and then I'd get charged again. $40 at a clip! It was ridiculous. Get away from that bank immediately run as far and fast as you can. Its not like it used to be anymore
I had similar concerns with my current bank when I deposited a check that was over the federal limit. I decided not to go to the teller and sat with an associate instead. He addressed all my concerns and took care of my deposit personally because he didn't think it was prudent for me to stand in line and make that transaction in what has become a very public setting. (side rant) Anyway he explained that due to the amount of the check it would take 5 to 10 business days to clear. It cleared in 7 days. I give my vote for Commerce.
They've been very helpful to me throughout my divorce which got very messy and things like this last situation.