Under Reg CC you can have a different availability policy for consumer accounts and business accounts. You can give a business a one-time exception notice for large deposits or redeposited checks that covers future deposits. For consumer accounts, you have to provide an exception notice for those two reasons for each affected deposit.
When you make an availability policy change, the regulation requires you notify owners of consumer accounts, but notice to business accounts for such a change isn't required by the regulation (it may be contractually required, or just plain good business practice, however).
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
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