For nonproprietary ATM's we disclose that we may place a hold up to 5 business from deposit. Is there any exceptions for placing longer holds on nonproprietary ATM deposits? It doens't seem to make sense that you could place a longer hold on a deposit made in person or at a proprietary ATM if one of the Exception reasons applies (therefore 7 or 11 days) but when you don't know what the deposit in the foreign ATM is made up off ....you can only place a 5 day hold? We are having problems with "bad" customers making deposits with worthless checks at foreign ATMs that are not returned until after the 5 days anyway...