No. With a less-day hold, Forte is basically advancing the money into your account without confirmation that the funds are available in your customer’s accounts. Forte also has to wait the standard hold time to determine if the funds are available in your customer’s accounts. On less than a standard hold time, every return you receive from your customer’s accounts (e.g., NSF, Stop Payment, Unauthorized, etc.), Forte will have to debit your settlement account for the previously funded transactions that were rejected (PFs). This may cause reconciliation difficulties simply because you will be receiving funds for transactions that you're not sure have successfully cleared your customer's accounts.