checking and you

In a consistent attempt to make the world a safer place for billion dollar corporations, the congress introduced Check21, and I'm sure all of you received notice of this from your banks.
The main point of check21 is to reduce the amount of time it takes for a bank to be paid after receiving a check. It replaces physical check clearinghouses with electronic images of checks, which are zipped around the country. The net effect is that when you write a check, the funds may disappear out of your account in a day or two instead of a week.
At this point it is still only optional. All banks must accept copies of checks in lieu of checks. At some point it will be compulsory, there will surely be a law five years from now to cause that.
When will the consumers see the benefits of this law returned to them? Has anyone had their fees lowered on a checking account. My checking account returns with my statement a copy of every cancelled check. Three months after check 21, they send me a paper sheet with three checks a piece. I am still being charged an extra $2/mo for check return!
When will funds availability be updated to reflect the fact that the bank doesn't need a week to verify the validity of a check. If you have ever unexpetedly overdrawn an account based on these old fashioned funds availability laws, you've seen how quickly the check you wrote cleared. If it takes 5 business days for funds deposited to be released, then it should take five business days for my check to clear as well, and float is invisible.
I received a funds availability notice from one of my banks today. Five business days.