You must not have ever tried to deposit a check for a moderate or significant amount on a Friday afternoon. Unless you've already set up a process with your bank, you'll only have access to part of the funds for 24 to 72 hours.
Except when there's a technical screw-up, in which case you can find that no, you can't use ATMs or your cards for several days whilst it's fixed. This happens with some UK bank or the other every year or so at the moment, as I recall.
