@Quentin818 - I am confused by what you issue is.
"Saturday" is not a "banking day". A "banking day" are days when the Federal Reserve is open and it only operates Monday - Friday, except for Banking Holidays.
from Reg CC
§ 229.10 Next-day availability.
(a) Cash deposits.
(1) A bank shall make funds deposited in an account by cash available for withdrawal not later than the business day after the banking day on which the cash is deposited, if the deposit is made in person to an employee of the depositary bank.
(2) A bank shall make funds deposited in an account by cash available for withdrawal not later than the second business day after the banking day on which the cash is deposited, if the deposit is not made in person to an employee of the depositary bank.
Read through Reg CC which governs timeliness of deposits.
https://www.federalreserve.gov/pubs/regcc/examples.htm
further, your post makes the false assumption that cash deposited on a Saturday becomes immediately available. While that may be a specific Bank's policy and the experience at your Bank, it far exceeds the Regulatory requirement that it be made available on Tuesday. The Bank can accept the deposit on Saturday and not make the money available until Tuesday and not run afoul of any regulatory issues.
When you state 'cash', do you mean 'greenbacks' or a check?
