Additional disclosures are required on deposit slips, at automated teller machines, and when the policy is changed in any way.
Regulation CC stipulates four types of holds that a bank may place on a check deposit at its discretion.
There are certain items that present less risk to financial institutions and thus are subject to expedited availability under the stipulations of Regulation CC.
According to the regulation, interest-bearing accounts shall receive earnings from funds from the time they are collected by the depository institution, regardless of hold lengths.
[3] The bill, if it were to become law, would extend "by two business days, for American Samoa, any time periods established for large or redeposited check, repeated overdraft, reasonable cause, or other emergency exceptions to the 30-day funds availability requirements for deposits in an depository institution account by a new depositor.