I'll add 2 cents. It's never a good idea to permit "hold for pickup" statements without a plan to mail them to a customer's last known address if they're not picked up within a specified period of time.
And you should never have a customer without a mailing address or street address.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8