. . . "In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: ??? We believe a check you deposit will not be paid. ??? You deposit checks totaling more than $5,000 on any one day. ??? You redeposit a check that has been returned unpaid. ??? You have overdrawn your account repeatedly in the last six months. ??? There is an emergency, such as failure o" .