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banks can clear cheques instantly but you need to know the secret word
you can beg and plead and they will say they cant do it. but you ask for a "special clearance" and they will clear it on the spot, for a fee usually like $20.
its almost as though they are legally required to do it but dont advertise it because they dont want to do it.
thats got me out of a bind a couple of times.
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