For check deposits (other than on-us) in excess of $5,000, when you've disclosed the potential for both case-by-case and exception holds, you can combine both types of holds and provide a single notice. Assume the total deposit amount is $10,000:
The first $200 will be available on BD 0 or BD1 (BD 0 is the day of deposit; BD 1 is first business day after day of deposit).
The next $4,800 is available by BD 2.
The balance of $5,000 is available by BD 7.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8