We are having training sessions this month and getting good questions from the tellers. I just need help in answering one:

On a deposit with mixed local and nonlocal checks, do we have to split the checks and give availability based on whether they are local or nonlocal?

What if it is a large deposit with local and nonlocal checks? Example: 3,000 local and 13,000 non local check - how would we give the availability?
100 avail next day, 3,000 2nd day (local), 1,900 5th day, 11,000 11 days; or
100 avail next day, 3,000 2nd day (local),4,900 5th day, 8,000 11th day.

Would appreciate any help....

100 avail next day, 2,900 2nd day (local), 2,000 5th day (non-local), 11,000 11 days (non-local - exception hold)

Randy's answer illustrates the fact that you can select whether the $100 next day availability comes from local or non-local checks. Taking it from the local checks pushes back availability as far as possible.

I have a similar question. If you have a deposit that has 2 checks, one for $500.00 local item, one for 3,500.00 non-local item. We are only going to place a hold on the $3,500.00 check. Since we are giving availability of the $500.00 do we also need to give $100.00 of the $3,500.00 item or will the $500.00 check suffice?

The $500 is more generous than you have to be with the $100 so you can hold the entire $3,500 without an additional $100

What kind of hold are you completing? If you are conducting a Case by Case hold, you must give $100, but if you are conducting an Exception hold, you don't.

But the fact remains that you don't have to give the $100 at all if you place no hold on the $500 check.