I'm trying to get clarification on how Reg. CC views mixed checks (i.e., local and non-local)in a deposit and what hold period to choose. The only thing I see in the regulation is under the Commentary to 229.13(b) is that "when the large deposit exception is applied to deposits composed of a mix of checks that otherwise would be subject to differing availability schedules, the depository bank has the discretion to choose the portion of the deposit to which it applies the exception." Can anyone please clarify what this means? 1) Does this mean that if we had both a local and non-local check that we could just use the non-local case-by-case and exception hold periods? 2) What if there is a large deposit of a cashiers check and a non-local check--can we use the non-local check hold period (and forgo the first $5,000 of next day availability for a cashiers check)? 3) If less than $5,000 deposit, do we then do separate hold notices for each type of check (i.e., one for the local check and one for the non-local check)? Thanks for any help you can offer, and then maybe I can stop banging my head on my desk!