We want to change our notice with respect to new accounts opened. Specifically we want to extend the # days we will hold the check. This being said, we want to do this going forward in order to avoid another statement stuffer.accounts. Accounts openecd, say, last week, will benefit from a moratorium on the policy so that the only people who will be impacted are the ones opening an account today....Any problems with that?

You can only hold as long as Reg CC allows, so how can you extend the number of days you're going to hold the check???

From a webinar, we can hold certain checks given by a new account holder longer. ....All other checks (lets say personal) can be held for a bank defined length of time.....

That should already be defined in your current funds availability policy. Personal checks can only be held 2 days unless you have confidential knowledge that they will not be paid or that your customer is a repeat overdrafter as defined in Reg CC. You can't define how long you can hold a check (except for new account holds), Reg CC does that for you.