On Friday morning, Geoff deposits into his account at Heartland Bank a $500 check from Imelda, who also has an account at Heartland. On that same day, this check is considered

A) cashiered.
B) certified.
C) paid.
D) a provisional credit.

When Geoff deposits Imelda's check into his account at the same bank (Heartland Bank), the amount is considered a provisional credit. This means the bank has credited his account with the deposit amount, but it is subject to final settlement and verification of the check's validity. This process allows the funds to appear in Geoff's account balance, but the bank retains the right to reverse the credit if the check is found to be fraudulent or if there are insufficient funds in Imelda's account.