Regulation CC: Can I Place a Hold?™ | Free Funds Availability Quick Reference

Can I Place a Hold on This Deposit?

For frontline banking employees, that question isn't always as simple as it sounds.

The type of deposit, account status, banking day, cut-off time, availability category, exception conditions, and your institution's procedures can all affect the answer.

Regulation CC: Can I Place a Hold?™ is a practical 2-page frontline quick reference designed to help bank and credit union employees work through the funds-availability decision without guessing.

The guide uses a straightforward process:

IDENTIFY → CHECK RULE → REVIEW EXCEPTION → FOLLOW PROCEDURE → DOCUMENT / NOTIFY

WHAT'S INSIDE

Identify the Deposit

• Deposit type
• Banking day and cut-off considerations
• Deposit channel
• Account coverage
• New-account status

2026 Regulation CC Dollar Amounts

• $275 next-business-day amount
• $550 special cash-withdrawal amount
• $6,725 applicable new-account, large-deposit, and repeatedly-overdrawn thresholds

Common Next-Day Availability Categories

• Cash
• Electronic payments
• Government checks
• Cashier's, certified, and teller's checks
• On-us checks
• Other check deposits

Exception & New-Account Rules

• Large deposits
• Redeposited checks
• Repeatedly overdrawn accounts
• Reasonable cause to doubt collectibility
• Emergency conditions
• New accounts

TWO IMPORTANT FRONTLINE REMINDERS

NEW ACCOUNT = GENERALLY FIRST 30 CALENDAR DAYS

Account-opening date alone doesn't always determine new-account status. Institution procedures should be followed.

SUSPICIOUS ≠ AUTOMATIC REASONABLE-CAUSE HOLD

A suspicious-looking transaction does not automatically justify a Regulation CC reasonable-cause hold. Specific facts must support a well-grounded belief that the check is uncollectible.

THE FRONTLINE RULE

A HOLD IS A FUNDS-AVAILABILITY DECISION — NOT A FRAUD DETERMINATION.

Employees should remain within their assigned authority, use their institution's current availability schedule and procedures, obtain required approvals, and provide required notices.

IDEAL FOR

Bank tellers, credit union tellers, universal bankers, personal bankers, branch managers, teller supervisors, new-hire onboarding, Regulation CC refresher training, operations teams, and financial-institution trainers.

2026 Edition • Version 1.0

Created by Jay Get It™ — Practical Banking Training & Compliance Resources

Educational Use Notice: This resource is a general educational aid and does not constitute legal, regulatory, audit, or compliance advice. Financial institutions should use it alongside their own funds-availability disclosures, policies, procedures, systems, approval authorities, required training, and applicable federal and state requirements.