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  3. Regulation CC
  4. APPENDIX C
  5. C-13
9-626

C-13—Reasonable-Cause Hold Notice

  • NOTICE OF HOLD
  • Account number:
    Date of deposit:
  •  (number)
     (date)
We are delaying the availability of the funds you deposited by the following check: (description of check, such as amount and drawer)
These funds will be available on the (number) business day after the day of your deposit. The reason for the delay is explained below:
  •         We received notice that the check is being returned unpaid.
  •         We have confidential information that indicates that the check may not be paid.
  •         The check is drawn on an account with repeated overdrafts.
  •         We are unable to verify the indorsement of a joint payee.
  •         Some information on the check is not consistent with other information on the check.
  •         There are erasures or other apparent alterations on the check.
  •         The routing number of the paying bank is not a current routing number.
  •         The check is postdated or has a stale date.
  •         Information from the paying bank indicates that the check may not be paid.
  •         We have been notified that the check has been lost or damaged in collection.
  •         Other:
[If you did not receive this notice at the time you made the deposit and the check you deposited is paid, we will refund to you any fees for overdrafts or returned checks that result solely from the additional delay that we are imposing. To obtain a refund of such fees, (description of procedure for obtaining refund).]
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