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  2. Why Does My Bank Hold My Checks?

    www.aol.com/finance/why-does-bank-hold-checks...

    Large checks: Depositing a larger check could result in a hold if the bank wants to first verify that the check-writer has enough money to cover it. Banks must generally make the first $5,525 ...

  3. Expedited Funds Availability Act - Wikipedia

    en.wikipedia.org/wiki/Expedited_Funds...

    (Repeated Overdraft hold) Account has been overdrawn for two or more business days in excess of $5,525 in the previous six months. (Repeated Overdraft hold) The depository bank has reason to doubt the check is good. (The paying bank indicates the check will not clear, is suspected to be fraudulent, or is either postdated or staledated.)

  4. Why some US bank deposits are held up days after ... - AOL

    www.aol.com/finance/why-us-bank-deposits-held...

    The private company that processes many bank-to-bank electronic transfers said a 'processing error' last week led to payment delays on roughly 850,000 transactions. ... Why some US bank deposits ...

  5. Bank regulation in the United States - Wikipedia

    en.wikipedia.org/wiki/Bank_regulation_in_the...

    The Expedited Funds Availability Act (EFAA) of 1987, implemented by Regulation CC, defines when standard holds and exception holds can be placed on checks deposited to checking accounts, and the maximum length of time the money can be held. A bank's hold policy can be less stringent than the guidelines provided, but it cannot exceed the guidelines.

  6. How Long Are Checks Good For? - AOL

    www.aol.com/long-checks-good-163415300.html

    No bank in the United States has any obligation to cash checks that are more than 180 days old. However, this does not necessarily mean that all is lost if an expired check resurfaces.

  7. Dishonoured cheque - Wikipedia

    en.wikipedia.org/wiki/Dishonoured_cheque

    In some U.S. states, if the check drawer informs the party they are uttering the check to that it will not clear at the current time (such as asking someone to "hold" a check for a few days), if the check bounces, they can still be sued for the value of the check, but warning the recipient before acceptance that the check will not clear ...

  8. Regulation D (FRB) - Wikipedia

    en.wikipedia.org/wiki/Regulation_D_(FRB)

    Regulation D was known directly to the public for its former provision that limited withdrawals or outgoing transfers from a savings or money market account. No more than six such transactions per statement period could be made from an account by various "convenient" methods, which included checks, debit card payments, and automatic transactions such as automated clearing house transfers or ...

  9. Top banks with 24/7 customer support - AOL

    www.aol.com/finance/top-banks-24-7-customer...

    TD Bank both provides 24/7 phone support and offers longer branch hours than many other banks. The bank operates more than 1,100 branches along the East Coast, many of which are open for extended ...