I went to a branch of my bank (which I almost never do) (stagecoach) because I wanted to have the experience of depositing a check in-person for once. I had a $19 unclaimed property check that was sent to me from the state government, so I decided to just deposit it that way.

I went up to the teller and presented my check for deposit. They confirmed the deposit and all was well. As she handed my my receipt I asked "Are there any holds on this check today?". She said "Hmmmm, give me just one second, I need to check the computer" (which I thought was slightly amusing since the check was for $19) and then said "looks like the system says available today!". I said awesome and thanked her.

As I was gathering my stuff, someone (probably a manager or supervisor) walked out of a side room behind the teller line and went up to her to tell her something. I only caught a fraction of their conversation:

"In the future, when [....] asks whether or not there is a check hold on [....] then you need to [....]"

I heard the teller try justifying something in a slightly defensive tone but then I had to walk away because another person was in line behind me.

So, my question is, what would this teller have gotten coached on? In my FI, if someone asks if there's a check hold, we should already know by the time the receipt prints, but the answer if "it says it's available today" is completely acceptable. Could the FI have had a policy of, "if the client asks about a check hold, we'll automatically apply one"? That to me sounds far-fetched, but I was curious to know what this interaction could be about