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When customers try to deposit the cheque twice before cut off time, (for example first deposited through mobile and then cheque is given to the branch), the branch will clear the physical cheque but the pending request at our Operations Processing Center, which came through mobile banking, will be rejected.

In general, for Image-based Cheque Clearing (ICCS), the first request on the ICCS queue will be considered and verified. If the cheque is submitted via mobile first and later at the counter after the cut off time, then the branch cheque deposit cannot be submitted and the Teller will reject the transaction.