professional courtesy

I go to the bank to deposit four checks.

The ATM eats my checks, then spits out this message:

Really? The money was not deposited into my account and I no longer have the checks.

I call the 888 number. I go through a 40 minute question/answer scrutiny.  In the end, I am told that the stated totality of the checks will be temporarily added to my account as a "professional courtesy." A claim will be filed and I should hear back in "7 to 10 business days."

How nice. 

I want to yell, "How could this happen in the first place? What if you never find my checks? Will I still get your professional courtesy?"

Instead I just say thank-you, and leave grateful that I hadn't deposited cash.