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(Edit because I guess I was being childish.)
I never touch any money from my account until I see the deposit clearing. I do no rely on "it is in and it clears immediately" - unless I see it cleared, I do not expect to be able to use the money - even if in a lot of cases you might be able to.
I am just saying that banks just seem to be uhm... enforcing some rules that make overdraft fees more likely... So I am just extra careful :)
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