A digital timeline showing the process of funds availability, starting from Next Day, progressing to Day 2, and reaching Day 7 with funds available, with a photo of a check for $25,000 from First Community Credit Union.
ExpressHold

A web-based Regulation CC check hold calculator that guides tellers to the correct hold amount, availability dates, and a print-ready member notice — every time. Built on 25+ years of refinement with community banks and credit unions.

Tellers answer a short series of questions and ExpressHold handles every variable — item type, deposit method, account status, and exception conditions — with no guesswork and a complete audit trail on every notice.

What makes ExpressHold different

25+ years of real-world use

Originally developed in 1997, continuously refined, and in active use at community institutions since 2000.

Self-maintaining FRB calendar

Formula-based Federal Reserve holiday engine — weekends and all FRB processing holidays handled automatically, no annual updates needed.

Complete audit trail

Every notice includes an embedded audit code — reconstruct exactly what was entered if a hold is ever questioned.

Configurable for any institution

Your name, terminology, phone number, and notice language throughout — credit union or bank, NCUA or FDIC.

Web-based, nothing to install

Runs in any browser on your network. No installation, no version management, no IT overhead.

On-site option available

Need it on your own servers? We deliver the full source package for intranet installation — no external dependencies.

Try it yourself — no signup required

A fully working sample of ExpressHold is available now at mycurisk.com/samplecu — no password, no trial signup, nothing to configure. Run a few deposits through it and see exactly how tellers will experience the tool.

This is a shared public example, not configured for any institution. Please don't enter real member names, account numbers, or other identifying information — use sample data only. Notices generated here are watermarked as samples and are not valid for member use.

Open the live sample →

"The program is free to evaluate for 30 days. We set up your custom site to your specifications — run as many notices as needed to see if it is right for you."

30-day free trial  ·  No credit card required

Pricing

Hosted SaaS — annual license

Fully hosted and maintained by CU Risk Advisors. We configure your custom site, handle all updates, and keep the Federal Reserve calendar current.

Institution size Annual price
1–5 branches $295/yr
6–25 branches $495/yr
26+ branches $1,495/yr

On-site / intranet option

Complete HTML source package for your own servers or intranet. No external dependencies — fully self-contained. Includes configuration and one year of support.

$1,495 one-time

All prices in USD. Branch count determined at time of order. SaaS subscriptions renew annually at the then-current rate. On-site license includes one year of email support; subsequent support available separately. Contact us with questions.

Disclosures & due diligence

Ready to get started with ExpressHold?

Start with a free 30-day trial — or order directly if you're ready to subscribe.