If a have lets say an eleven day hold for all new accounts. Do I need to give a hold notice at the time of deposit?

There is not a notice requirement for a new account exception. Some banks have a practice of giving notice for info purposes, but it's not required for that specific exception hold.

Look at the wording in your disclosure. If you say you "will" put on the XX day hold (as the model does) you are not required to give a notice. If you say you "may" put on the XX day hold, you need to provide a written notice at the time the deposit is made.

Oh. It says will. So it should be ok not to give it. Great information thank you.

That also means that in most cases you apply the new account hold period disclosed. Your disclosure must reflect what you do in most cases.