Hey, the good folks at Consumers' Union are trying to help us all out:
Don't let banks hold up your bank deposits! The new federal Check 21 law helps banks take money out of our accounts sooner by speeding up check processing. Even though checks are speeding up, financial institutions can still place the same long check holds on our deposits. Click below to tell Congress to make the banks give you earlier access to the money you deposit into your bank account.
check it out here