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Hold values are based on the individual account holder, the products they hold with the bank and net worth.
Industry calls it "know your customer"
5 business days for a 100k chq is plenty of time to hold funds.
Also, fun fact..... let's say the teller who took the cheque and didn't hold the funds for whatever reason and it bounced....
And Joe Blow didn't have another red cent with that bank and told the bank to pound it when they asked for the money.
The teller takes the "loss" and depending on that denomination, can be fired.
Which is why the person behind the counter has to take a dozen things into perspective when determining to hold it not.
Peace.
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