If an armored car acts as an agent for a deposit customer and delivers deposits, which include cash and checks, to an employee at the bank's money room for processing, is the deposit considered to be made "in person to an employee" for next-day availability purposes under Reg. CC?

If the armored car service is the agent of the customer, the agent appears in person and the answer is yes.

Thanks John - one more question --- if the bank uses an external vault service, acting as the bank's agent, and the customer's armored car, acting as the customer's agent, delivers deposits to the bank's external vault service, is that deposit also considered to made "in person to an employee" for next-day availability?

I knew the minute I clicked "Submit" on my earlier response that this question would arise. I don't have an answer. My logic tells me "No" because the vault service is not an "employee of the bank," but I put a confidence factor of 2 (out of 10) on that response.