I feel like I have holds down pretty well, but I'm having a Wednesday brain fog. Can someone please verify that I am thinking correctly:

Customer brings in two checks. One for $38718.00 and one for $304145.00. This is a business customer. They deposit both checks into their account in one deposit totaling $342863.00. We decide to place a hold on the check for $304,145.00. We gave the customer $225.00 from the amount of this check. My thinking is, we didn't need to make $225.00 available because the total amount of the deposit was $342,863.00 and we made the full amount of the other check available.

Am I thinking correctly? I know it's not an issue that we did this. I just want to make sure I'm correct in my thinking so I can explain it to the branch that placed the hold.

Thanks for helping me out of my brain fog....

Does the hold notice reference the one specific check for $304145 or the whole deposit?

The hold notice only references the one check for $304,145.00. The hold was put on for $303,920.00 which is minus the $225.

The full amount of the deposit included both checks.

The model notices are below. Are you using something other than the model notice that include additional information, like the amount of the entire deposit?

C-12—Exception Hold Notice

Notice of Hold

Account number: (number)

Date of deposit: (date)

We are delaying the availability of (amount being held) from this deposit. These funds will be available on the (number) business day after the day of your deposit.

C-13—Reasonable Cause Hold Notice

Notice of Hold

Account number: (number)

Date of deposit: (date)

We are delaying the availability of the funds you deposited by the following check: (description of check, such as amount and drawer.)

Randy - no. The only notice we are using is the model notice which includes the amount of the hold that we applied.