A Regulation CC check hold calculator that guides tellers to the correct hold amount, the correct availability dates, and a print ready member notice, every time. Built in 1997 and refined ever since with community banks and credit unions.
A teller answers a short series of questions and ExpressHold handles every variable: item type, deposit method, account status, and exception conditions. No guesswork, and a complete audit trail on every notice.
As of version 3.0 it is released under the Apache License 2.0 and costs nothing. Download it, configure it for your institution, and run it. There is no account to create, no trial period, no renewal, and nothing to cancel.
See it in action
The hold calculator, configuration tab, and notice, start to finish.
Download the videoWhat makes ExpressHold different
In service since 1997
Originally developed in 1997, continuously refined, and in active daily use at community institutions since 2000.
Self-maintaining FRB calendar
A formula based Federal Reserve holiday engine. Weekends and every FRB processing holiday are handled automatically, with no annual update to remember.
Complete audit trail
Every notice carries an embedded audit code. If a hold is ever questioned, you can reconstruct exactly what was entered and which rule applied.
Configurable for your institution
Your name, phone number, terminology, cut-off time, banking days, Saturday treatment, and hold periods. Credit union or bank, NCUA or FDIC.
Nothing leaves your building
One HTML file with no server, no database, and no network traffic of any kind. No telemetry, no analytics, no update check, not even an external font. Deposit information never travels.
Open source, and readable
The calculation engine is published separately from the interface, and every rule cites the section of Regulation CC it comes from. Your compliance officer can read it, and so can your examiner.
Try it yourself, nothing to sign up for
A fully working copy of ExpressHold runs at mycurisk.com/samplecu. Nothing is withheld. Every calculation, every notice, and the whole Configuration tab work exactly as they do in the version you download. Set it to your own institution's name and rules, run a few deposits through it, and see what your tellers would see. It cannot save anything, and reloading it clears everything.
It is a public page shared with everyone who visits. Please do not enter real member names, account numbers, or other identifying information. Notices generated there are for demonstration and are not valid for member use.
Downloads
If you just want to run it
Six files. The application itself, the User and Compliance Guide, the license, the NOTICE file covering copyright and trademarks, the trademark policy, and a start-here page. Open the HTML file in any browser and it runs. No installer, no admin rights, no IT project. This is the one most institutions want.
Download the install packageIf you want to verify or change it
The calculation engine and interface source, both test suites, the build script, the Maintenance Guide, the change log with citations, and checksums. Suitable for a technical review, a fork, or an internal audit of the arithmetic. The tests state the section of Regulation CC each one pins, and a clean build reproduces the application above byte for byte apart from the date stamp in its header.
Download the sourceWhere it runs
One workstation. Put the file somewhere sensible, make a desktop shortcut, open it, and fill in the Configuration tab. Settings stay saved on that machine.
Several workstations. Configure one, export the settings to a file, and import that file on the others. Keep a copy of it with your Reg CC records. It is the documentation of what the tool was set to.
Your intranet. Serve the file from any web server you already have. Everything still runs in the teller's browser. The server only hands out the file.
License, trademark and due diligence
ExpressHold 3.0 is licensed under the Apache License 2.0. Use it, configure it, modify it, deploy it across your institution, and build on it. The full text is in both downloads. It is provided as is, with no warranty and no support.
What the license does not cover
Compliance with Regulation CC remains your institution's responsibility. This software helps you apply a regulation. It does not interpret the regulation for you, and using it is not a substitute for your own compliance review. Questions about how Reg CC applies to your institution belong to your compliance function or your counsel.
The thresholds in it were current as of the July 1, 2025 adjustment. The next scheduled adjustment is July 1, 2030. Keeping those figures current is the responsibility of whoever operates the software.
Trademark: take the branding off if you change the math
"ExpressHold" and "CU Risk Advisors" are trademarks and are not licensed with the code. Apache 2.0 section 6 says so expressly. Configuring the software for your institution is ordinary use and changes nothing.
But if you modify the calculation engine, the holiday rules, the notice text, or the default thresholds, take the branding off before you deploy it or pass it on. A notice of hold is a document you hand a member under section 229.13(g), and if the dates on it came from arithmetic someone else changed, it should not carry my name. Everything you need to change sits in one block at the top of the configuration file, and the download explains how.
For your vendor management file
Downloading ExpressHold does not create a vendor relationship. There is no service, no hosting, no contract, no recurring payment, and no data flow to a third party. Nothing about a deposit, a member, or your institution ever reaches me or anyone else, because the software makes no network requests at all.
If your third party risk process still calls for documentation, the full package contains what a reviewer would ask for: the license, the source code, the test suites with their regulatory citations, the change log, and file checksums. A technical reviewer can confirm the no-network claim in a few minutes by reading the file.
Disclosures & due diligence
Questions about it?
The software is free, it stays free, and it is yours to run without involving me at all. If something in it is unclear, or you think you have found a defect, get in touch. There is no support plan and there is nothing being sold alongside this. If you need more than the software itself, describe what you are trying to do and I will tell you honestly whether it is something I can take on.