Your money stories

Hello, yes, my post is tangentially related to a previous Jan 2022 discussion. I am working on this from a different angle trying to understand the rules for dating an account credit by a financial institution. I am curious to know whether the below hypothetical example of how a deposit is credited might or might not violate some accounting principle or other rule (e.g., IRS, FDIC, etc.):

-A cash deposit is made on a Saturday and becomes immediately available for cash withdrawal

-The institution dates the credited deposit amount for the following Monday on periodic statements

And, the days of the week could just as easily be Tuesday with a Wednesday record date.