We had a customer complete multiple mobile deposits on the same day and are looking to place a hold on funds. Are we able to treat the transactions as one or do we have to treat each check as separate? I am thinking it would be separate and would need a reason for each check. We treat mobile deposits same as in person deposits regarding holds. Thank you

Regulation CC holds are based on all deposits made in a single business day and are never check by check.

You can do what you want with mobile deposit holds (until the new Reg CC comes out) as they aren't currently covered under Reg CC. If you want to follow CC, you aggregate the checks made on the same business day, as Randy previously explained.

Adam's reference to the "new Reg CC" does not apply to the amendments effective 7/1/18. We are still waiting for amendments to subpart B of the regulation, which is in dire need of an update, which will almost certainly include language bringing RDC and mobile deposits under the Reg CC umbrella.