I need a refresher. How much and how long may we hold a cashier's checks? If there's 2 in a deposit do we have to give $10,000

The $5000 next day availability under a new account hold applies to the total of next-day items deposited, so the answer to your second question is no, just $5,000.

1. In a new account hold, the first $5,000 deposited in the form of next-day checks (in the aggregate) must be made available on the business day following the banking day of deposit. Amounts in excess of that first $5,000 in next day checks must be available by the 9th business day.

2. In a large check deposit hold, the first $5,000 must be available the next business day (for next-day checks and the first $200 of other checks) or the second business day (the rest of the other checks), but the amount deposited by check above the first $5,000 can be held longer, to be made available by the 7th business day.

3. If the depositor is repeatedly overdrawn as defined in section 229.13(d), a cashier's check or other check can be entirely held under an exception hold, to be available by the 7th business day. The $200 rule won't apply in this case.

4. The hold limits on "on-us" checks are much shorter.

Thanks, John

My little reference guide is still available in Bankers Tools -
http://www.bankersonline.com/compliance/regcc-card.doc