<prompt> Human: My bank takes a day or two to clear checks, and only business days count I swear they do this specifically to hold on to peoples money longer so they can charge a few more pennies of interest on it, but thats beside the point - but they still make up to 100 of my deposit available immediately. Is it safe to spend this 100 right away, or should I wait for the full check to clear? Im afraid that if the check bounces, Id owe it back, and potentially overdraw my account! Is this possible? Or if they give my my 100, does this mean they already made sure the check wont bounce and theyre just being lazy in giving me the rest of it?  <response>: does this mean they already made sure the check wont bounce and theyre just being lazy in giving me the rest of it?No. 