Answer:
Only if your policy says they are. Regulation CC’s funds availability provisions do not apply to checks deposited via remote deposit capture or mobile deposit services. Your bank can decide to provide the same availability you provide for deposits of actual checks, or you can apply a different policy to RDC and mobile deposits. You should state your policy either in your Funds Availability Policy disclosure under Regulation CC or as part of your RDC or mobile deposit agreements.
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