The regulation provides six exceptions that allow banks to exceed the maximum hold periods in the availability schedules. The exceptions are considered safeguards against the risk associated with each. These are the exceptions: checks deposited to new accounts, large deposits ($5,000 or more in checks), redeposited checks, deposits made by check to accounts that are repeatedly overdrawn, deposits of checks for which the bank doubts collectability, deposits made under certain emergency conditions.

In the case of exceptions, the regulation provides that banks may extend the availability schedule by a reasonable period of time. For instance; an extension of one business day for next-day availability items, an extension of up to five business days for local checks,
an extension of up to six business days for non-local checks.

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