Sample Credit Union
Demonstration version. Nothing you type here is saved, sent, or recorded — no configuration, no deposit details, no contact information. Everything runs inside your own browser and disappears when you reload the page. Open the Configuration tab to set an institution name and options, then run a hold to see how the notice prints.
Deposit information
Do not enter member account numbers, names, or any other personally identifiable information.
Item type
Hold conditions
Hold result
Nothing on this tab is saved. Change anything you like to see how a configured installation behaves. Your entries stay in this browser tab only and are gone when you reload. The version you install on your own computer or network saves its configuration.
Institution
Appears as the heading on every printed notice.
The number members call for a fee refund under §229.13(g).
Sets the insurance line and member/customer wording.
Regulatory thresholds
Set by the Federal Reserve Board and the CFPB and adjusted for inflation every five years. The values below took effect July 1, 2025; the next scheduled adjustment is July 1, 2030. Keeping these current is the responsibility of the institution operating this software.
§229.10(c)(1)(vii)
§229.13(a)(1)(ii), (b), (d)(2)
§229.12(d)
Hold periods
Shown on the notice beside each date.
§229.13(a) · default 9
§229.13(f) · default 5 · Used only when the teller does not know the date the emergency ceased. §229.13(h)(3) measures this exception from cessation, not from the deposit.
§229.12(b) · default 2
§229.12(f) · default 5
§229.2(f) · A deposit made on a day that is not a banking day is considered received the next banking day under §229.19(a)(1), and every hold period is counted from there. Saturday is never a business day for counting (§229.2(g)) whichever way this is set.
Exception extensions — §229.13(h)(4)
When an exception applies, the §229.12 period may be extended by a reasonable period. §229.13(h)(4) sets that period by item type rather than at one flat number: one business day for on-us checks, five for ordinary checks, and six for non-proprietary ATM deposits. A longer extension may still be reasonable, but the institution carries the burden of establishing it.
§229.10(c)(1)(vi) · default 1 → hold to day 2
§229.12(b)(1)–(4) · default 5 → day 7
§229.12(f) · default 6 → day 11
Delayed cash availability — §229.12(d)
Enable only if the institution applies this rule institution-wide. When enabled, withdrawal in cash or by similar means of funds made available under the §229.12 schedule may be delayed one additional business day, provided the cash withdrawal amount above is available by 5:00 PM on the scheduled day. It does not delay availability of the funds for any other purpose.
Notice printing
Printed as one job, one page per copy.
Internal use only — field labels
The six signature fields at the bottom of the printed notice. Changes apply to the next notice printed.
Column 1 — Processed by
Column 2 — Audited by
Deposit hold matrix — quick reference