What I was thinking was having two zones, plus the overall check zone. During switching you could have currents showing up in the wrong zone, as the switches and switch status contacts won't precisely align. With currents in the wrong zone, you'd have both zones showing a differential; tripping both zones wouldn't be particularly desirable. That's where the check zone comes in, it would determine if there's a fault within the substation. With misalignment during switching you could have both zones seeing differential current but check zone wouldn't. You'd trip zone 1 if there's a zone 1 differential and the check zone, likewise you'd trip zone 2 if there's a differential in zone 2 and the check zone.
During switching, with no fault in the station, you'd see differential currents in both zones but not the check zone, no trip.
During switching, should an actual fault occur, you'd see differential currents in at least one of the zones and in the check zone, tripping of at least one zone and probably both would occur.
During normal operation, any fault should show up in only one of the zones and simultaneously in the check zone, tripping would occur with no appreciable delay.
I don't think you'd need separate overcurrents or any time delay on the bus coupler.