Is there ever a time that a bank can place an 11 day hold on a check? Is the only time if the check is being deposited into a new account? Thanks for helping out a newer teller.

Welcome to BankersOnline!

Once upon a time before Check 21...
Checks used to be considered "local" vs. "non-local" based on routing number and what Federal Reserve District they were located in.
Non-local checks could have exception holds for up to 11 business days. However, today all checks are considered local because check processing has been consolidated so the longest exception hold is 7 business days.
The maximum hold time for the new account exception is 9 business days. So for a check drawn on a US bank the answer is "No."
Checks drawn on banks outside the US can still have unlimited holds placed.

Also Reg CC only applies to demand accounts so longer holds are possible in Savings and Money Market accounts.

"Also Reg CC only applies to demand accounts so longer holds are possible in Savings and Money Market accounts."

While this is so, be careful that you haven't disclosed Reg CC on these account types.

That's only accurate if the hold in question is on the excess over $5,000 of so-called "next day" checks.

If the bank makes the appropriate initial account disclosures, it can impose a hold on other types of checks (checks other than next-day checks) for however many days it wishes, if the deposit is to a new account.

When you say the appropriate initial account disclosures, do you mean that if the initial dislcosure states 11 days for a new account then you can hold for 11 days.

Yes, in fact you can hold for any length of time on a new account so long as it's disclosed at account opening.

Our disclosure states "11 business days, or longer, at our discretion." However, we have yet to put on a hold for longer, to my knowledge.

If a new account hold is placed for a cashiers check of say $90,000 and we have the proper inital disclosues and we say 11 day hold, can we hold the cashiers check for the full 11 days, making $5,000 availalble next business day?

Um, no. Check out section 229.13(a)(1)(ii) - The first $5,000 must be available on the first business day following the banking day of deposit, and the remainder of the check amount must be available by the 9th business day following the banking day of deposit.

You can refer to an 11-day hold in your initial disclosures section on new account deposits, but only for checks that aren't ordinarily next-day available items, plus on-us checks.