<p> REFERENCE GUIDE: REG CC – HOLDS (Exceptions to policy may be granted by a bank officer, their initials must be on the deposit item.)</p><p>NEXT DAY ITEMS (Items with immediate availability.)</p><p>Cash Electronic payments: U.S. Postal Service Money Order Certified check Wire transfers and ACH Federal Home Loan Bank check “On-Us” check U.S. Treasury check State or local Government check Cashier’s check Federal Reserve Bank checks</p><p>LOCAL CHECKS * Case-by-Case Hold Exception Hold Routing numbers include: 0420, 0421, 0422, 0423, 2420, 2421, 2422, 2423 2 Day 7 Day</p><p>NON-LOCAL CHECKS * Routing numbers other than listed above 5 Day 11 Day</p><p>*100 Availability *The $100 can be “Less-Cash” paid to the customer.</p><p>$100 of all local & non-local Checks must be made available under New Account Holds a Case-by-Case Hold and the $5000.00 Exception hold. During the first 30 days of a new Customer’s account This is in addition to any Next Day items in the deposit. $100 Availability does NOT apply Local and non-local Checks – 11 Day hold The first $5,000 of Next Day items – NO hold After $5,000 of Next Day items – 9 Day hold</p><p>Examples: </p><p>List some examples that your people can understand here… Let them come up with the ideas… </p>