Notice of Hold
      
        ExpressHold
      
Sample Credit Union

Deposit information

        Date of deposit
        
        Account type
        
      Transaction reference
      
        Do not enter member account numbers or any personally identifiable information.
      
        Total deposit amount
        
        Amount being held
        
Item type

Hold conditions

        Not deposited into payee's account
      
        Deposit not made in person
      
        Foreign / non-proprietary ATM
      
        Emergency operations
      
        Redeposited item
      
        Repeat overdraft account
      
        Doubtful collection
      
        New account
      
        Reason for doubtful collection
        
Hold result

Sample Credit UnionNotice of Hold

        Transaction reference
        
        Today's date
        
        Account type
        
        Date of deposit
        
        Amount of deposit
        
        Amount of hold
        
      Sample Credit Union — Thank you for your deposit.
      The item(s) described above, included in your deposit, is/are subject to
      delayed availability. Funds will be available for withdrawal as shown above.
      If this time period exceeds two days, the reason(s) for delayed availability
      are:

      If you did not receive this notice at the time you made the deposit and the
      item(s) you deposited is/are paid, we will return to you any fees for
      overdraft or returned checks that result solely from the additional delay we
      are imposing. To obtain a refund call:
      
Internal use only
FEDERALLY INSURED BY NCUA

      DEMONSTRATION COPY — FOR EVALUATION ONLY — NOT VALID FOR MEMBER USE
    
Deposit hold matrix — quick reference

      RC = reasonable cause exception (redeposited item, repeat overdraft, or doubtful collection).

      Cashier's checks treated as next-day items under §229.10(c). Large deposit exception applies to next-day items when amount exceeds threshold.