The bank may use an exception hold on a check that was previously deposited but was returned unpaid for insufficient funds. This allows the bank to lessen the risk associated with this transaction.

An exception hold may not be applied to any check (including an “official type” check) that has been returned unpaid and re-deposited if the reason for the return was a missing endorsement or a post date and that reason no longer exists.

A local check that had an exception hold would have seventh business day availability. A nonlocal check that had an exception hold would have eleventh business day availability.

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