Regulation
CC
Availability of Funds And Collection Of Checks
Appendix C to Part 229--Model Forms, Clauses,
and Notices
Appendix D to Part 229--Indorsement Standards
Appendix C to Part 229--Model Availability
Policy Disclosures, Clauses, and Notices
This Appendix contains model availability
policy disclosures, clauses, and notices to facilitate compliance
with the disclosure requirements of Regulation CC (12 CFR Part
229). Although use of these models is not required, banks using
them properly to make disclosures required by the Regulation CC
are deemed to be in compliance.
Model Availability Policy Disclosures
C-1 Next-day availability
C-2 Next-day availability and Sec. 229.13 exceptions
C-3 Next-day availability, case-by-case holds to statutory limits,
and
Sec. 229.13
exceptions
C-4 Holds to statutory limits on all deposits (includes chart)
C-5 Holds to statutory limits on all deposits
Model Clauses
C-6 Holds on other funds (check cashing)
C-7 Holds on other funds (other account)
C-8 Appendix B availability (nonlocal checks)
C-9 Automated teller machine deposits (extended hold)
C-10 Cash withdrawal limitation
C-11 Credit union interest payment policy
C-11A Availability of Funds Deposited at Other Locations
Model Notices
C-12 Exception hold notice
C-13 Reasonable cause hold notice
C-14 One-time notice for large deposit and redeposited check exception
holds
C-15 One-time notice for repeated overdraft exception holds
C-16 Case-by-case hold notice
C-17 Notice at locations where employees accept consumer deposits
C-18 Notice at locations where employees accept consumer deposits
(case-by-case holds)
C-19 Notice at automated teller machines
C-20 Notice at automated teller machines (delayed receipt)
C-21 Deposit slip notice
Model Availability Policy Disclosures
C-1--Next-Day Availability
Your Ability to Withdraw Funds
Our policy is to make funds from your
cash and check deposits available to you on the first business
day after the day we receive your deposit. Electronic direct deposits
will be available on the day we receive the deposit. Once the
funds are available, you can withdraw them in cash and we will
use them to pay checks that you have written.
For determining the availability of your
deposits, every day is a business day, except Saturdays, Sundays,
and federal holidays. If you make a deposit before (time of day)
on a business day that we are open, we will consider that day
to be the day of your deposit. However, if you make a deposit
after (time of day) or on a day we are not open, we will consider
that the deposit was made on the next business day we are open.
C-2--Next-day availability and Sec. 229.13 exceptions
Your Ability to Withdraw Funds
Our policy is to make funds from your
cash and check deposits available to you on the first business
day after the day we receive your deposit. Electronic direct deposits
will be available on the day we receive the deposit. Once they
are available, you can withdraw the funds in cash and we will
use the funds to pay checks that you have written.
For determining the availability of your
deposits, every day is a business day, except Saturdays, Sundays,
and federal holidays. If you make a deposit before (time of day)
on a business day that we are open, we will consider that day
to be the day of your deposit. However, if you make a deposit
after (time of day) or on a day we are not open, we will consider
that the deposit was made on the next business day we are open.
Longer Delays May Apply
Funds you deposit by check may be delayed
for a longer period under the following circumstances:
- We believe a check you deposit will not be paid.
- You deposit checks totaling more than $5,000 on any one day.
- You redeposit a check that has been returned unpaid.
- You have overdrawn your account repeatedly in the last six
months.
- There is an emergency, such as failure of computer or communications
equipment.
We will notify you if we delay your ability
to withdraw funds for any of these reasons, and we will tell you
when the funds will be available. They will generally be available
no later than the (number) business day after the day of your deposit.
Special Rules for New Accounts
If you are a new customer, the following
special rules will apply during the first 30 days your account
is open.
Funds from electronic direct deposits
to your account will be available on the day we receive the deposit.
Funds from deposits of cash, wire transfers, and the first $5,000
of a day's total deposits of cashier's, certified, teller's, traveler's,
and federal, state and local government checks will be available
on the first business day after the day of your deposit if the
deposit meets certain conditions. For example, the checks must
be payable to you (and you may have to use a special deposit slip).
The excess over $5,000 will be available on the ninth business
day after the day of your deposit. If your deposit of these checks
(other than a U.S. Treasury check) is not made in person to one
of our employees, the first $5,000 will not be available until
the second business day after the day of your deposit.
Funds from all other check deposits will
be available on the (number) business day after the day of your
deposit.
C-3--Next-Day Availability, Case-by-Case Holds to Statutory Limits,
and Sec. 229.13 Exceptions
Your Ability To Withdraw Funds
Our policy is to make funds from your
cash and check deposits available to you on the first business
day after the day we receive your deposit. Electronic direct deposits
will be available on the day we receive the deposit. Once they
are available, you can withdraw the funds in cash and we will
use the funds to pay checks that you have written.
For determining the availability of your
deposits, every day is a business day, except Saturdays, Sundays,
and federal holidays. If you make a deposit before (time of day)
on a business day that we are open, we will consider that day
to be the day of your deposit. However, if you make a deposit
after (time of day) or on a day we are not open, we will consider
that the deposit was made on the next business day we are open.
Longer Delays May Apply
In some cases, we will not make all
of the funds that you deposit by check available to you on the
first business day after the day of your deposit. Depending on
the type of check that you deposit, funds may not be available
until the fifth business day after the day of your deposit. The
first $100 of your deposits, however, may be available on the
first business day.
If we are not going to make all of the
funds from your deposit available on the first business day, we
will notify you at the time you make your deposit. We will also
tell you when the funds will be available. If your deposit is
not made directly to one of our employees, or if we decide to
take this action after you have left the premises, we will mail
you the notice by the day after we receive your deposit.
If you will need the funds from a deposit
right away, you should ask us when the funds will be available.
In addition, funds you deposit by check
may be delayed for a longer period under the following circumstances:
- We believe a check you deposit will not be paid.
- You deposit checks totaling more than $5,000 on any one day.
- You redeposit a check that has been returned unpaid.
- You have overdrawn your account repeatedly in the last six
months.
- There is an emergency, such as failure of computer or communications
equipment.
We will notify you if we delay your ability
to withdraw funds for any of these reasons, and we will tell you
when the funds will be available. They will generally be available
no later than the (number) business day after the day of your deposit.
Special Rules for New Accounts
If you are a new customer, the following
special rules will apply during the first 30 days your account
is open.
Funds from electronic direct deposits
to your account will be available on the day we receive the deposit.
Funds from deposits of cash, wire transfers, and the first $5,000
of a day's total deposits of cashier's, certified, teller's, traveler's,
and federal, state and local government checks will be available
on the first business day after the day of your deposit if the
deposit meets certain conditions. For example, the checks must
be payable to you (and you may have to use a special deposit slip).
The excess over $5,000 will be available on the ninth business
day after the day of your deposit. If your deposit of these checks
(other than a U.S. Treasury check) is not made in person to one
of our employees, the first $5,000 will not be available until
the second business day after the day of your deposit.
Funds from all other check deposits will
be available on the (number) business day after the day of your
deposit.
C-4--Holds to Statutory Limits On All Deposits (Includes Chart)
Your Ability To Withdraw Funds
Our policy is to delay the availability
of funds from your cash and check deposits. During the delay,
you may not withdraw the funds in cash and we will not use the
funds to pay checks that you have written.
Determining the Availability of a Deposit
The length of the delay is counted in
business days from the day of your deposit. Every day is a business
day except Saturdays, Sundays, and federal holidays. If you make
a deposit before (time of day) on a business day that we are open,
we will consider that day to be the day of your deposit. However,
if you make a deposit after (time of day) or on a day we are not
open, we will consider that the deposit was made on the next business
day we are open. The length of the delay varies depending on the
type of deposit and is explained below.
Same-Day Availability
Funds from electronic direct deposits
to your account will be available on the day we receive the deposit.
Next-Day Availability
Funds from the following deposits are
available on the first business day after the day of your deposit:
- U.S. Treasury checks that are payable to you.
- Wire transfers.
- Checks drawn on (bank name) [unless (any limitations related
to branches in different states or check processing regions)].
If you make the deposit in person to one
of our employees, funds from the following deposits are also available
on the first business day after the day of your deposit:
- Cash.
- State and local government checks that are payable to you
[if you use a special deposit slip available from (where deposit
slip may be obtained)].
- Cashier's, certified, and teller's checks that are payable
to you [if you use a special deposit slip available from (where
deposit slip may be obtained)].
- Federal Reserve Bank checks, Federal Home Loan Bank checks,
and postal money orders, if these items are payable to you.
If you do not make your deposit in person
to one of our employees (for example, if you mail the deposit),
funds from these deposits will be available on the second business
day after the day we receive your deposit.
Other Check Deposits
To find out when funds from other check
deposits will be available, look at the first four digits of the
routing number on the check:
BILLING CODE 6210-01-C
Some checks are marked ``payable through''
and have a four-or nine-digit number nearby. For these checks,
use this four-digit number (or the first four digits of the nine-digit
number), not the routing number on the bottom of the check, to
determine if these checks are local or nonlocal. Once you have
determined the first four digits of the routing number (1234 in
the examples above), the following chart will show you when funds
from the check will be available:
-------------------------------------------------------
First four When funds are available if a
digits from When funds are deposit is made on a Monday
routing number available
[local numbers].........$100 on the first business Tuesday.
day after the day of your
deposit.
Remaining funds on the Wednesday.
second business day after
the day of your deposit.
All other numbers.......$100 on the first business Tuesday.
day after the day of your
deposit.
Remaining funds on the Monday of the
fifth business day after following week.
the day of your deposit.
-------------------------------------------------------
If you deposit both categories of checks,
$100 from the checks will be available on the first business day
after the day of your deposit, not $100 from each category of check.
Longer Delays May Apply
Funds you deposit by check may be delayed
for a longer period under the following circumstances:
- We believe a check you deposit will not be paid.
- You deposit checks totaling more than $5,000 on any one day.
- You redeposit a check that has been returned unpaid.
- You have overdrawn your account repeatedly in the last six
months.
- There is an emergency, such as failure of computer or communications
equipment.
We will notify you if we delay your ability
to withdraw funds for any of these reasons, and we will tell you
when the funds will be available. They will generally be available
no later than the (number) business day after the day of your deposit.
Special Rules for New Accounts
If you are a new customer, the following
special rules will apply during the first 30 days your account
is open.
Funds from electronic direct deposits
to your account will be available on the day we receive the deposit.
Funds from deposits of cash, wire transfers, and the first $5,000
of a day's total deposits of cashier's, certified, teller's, traveler's,
and federal, state and local government checks will be available
on the first business day after the day of your deposit if the
deposit meets certain conditions. For example, the checks must
be payable to you (and you may have to use a special deposit slip).
The excess over $5,000 will be available on the ninth business
day after the day of your deposit. If your deposit of these checks
(other than a U.S. Treasury check) is not made in person to one
of our employees, the first $5,000 will not be available until
the second business day after the day of your deposit.
Funds from all other check deposits will
be available on the (number) business day after the day of your
deposit.
C-5--Holds to Statutory Limits on All Deposits
Your Ability To Withdraw Funds
Our policy is to delay the availability
of funds from your cash and check deposits. During the delay,
you may not withdraw the funds in cash and we will not use the
funds to pay checks that you have written.
Determining the Availability of a Deposit
The length of the delay is counted in
business days from the day of your deposit. Every day is a business
day except Saturdays, Sundays, and federal holidays. If you make
a deposit before (time of day) on a business day that we are open,
we will consider that day to be the day of your deposit. However,
if you make a deposit after (time of day) or on a day we are not
open, we will consider that the deposit was made on the next business
day we are open.
The length of the delay varies depending
on the type of deposit and is explained below.
Same-Day Availability
Funds from electronic direct deposits
to your account will be available on the day we receive the deposit.
Next-Day Availability
Funds from the following deposits are
available on the first business day after the day of your deposit:
- U.S. Treasury checks that are payable to you.
- Wire transfers.
- Checks drawn on (bank name) [unless (any limitations related
to branches in different states or check processing regions)].
If you make the deposit in person to one
of our employees, funds from the following deposits are also available
on the first business day after the day of your deposit:
- Cash.
- State and local government checks that are payable to you
[if you use a special deposit slip available from (where deposit
slip may be obtained)].
- Cashier's, certified, and teller's checks that are payable
to you [if you use a special deposit slip available from (where
deposit slip may be obtained)].
- Federal Reserve Bank checks, Federal Home Loan Bank checks,
and postal money orders, if these items are payable to you.
If you do not make your deposit in person
to one of our employees (for example, if you mail the deposit),
funds from these deposits will be available on the second business
day after the day we receive your deposit.
Other Check Deposits
The delay for other check deposits depends
on whether the check is a local or a nonlocal check. To see whether
a check is a local or a nonlocal check, look at the routing number
on the check:
BILLING CODE 6210-01-P
BILLING CODE 6210-01-C
If the first four digits of the routing
number (1234 in the examples above) are (list of local numbers),
then the check is a local check. Otherwise, the check is a nonlocal
check. Some checks are marked ``payable through'' and have a four-or
nine-digit number nearby. For these checks, use the four-digit
number (or the first four digits of the nine-digit number), not
the routing number on the bottom of the check, to determine if
these checks are local or nonlocal. Our policy is to make funds
from local and nonlocal checks available as follows.
1. Local checks. The first $100 from
a deposit of local checks will be available on the first business
day after the day of your deposit. The remaining funds will be
available on the second business day after the day of your deposit.
For example, if you deposit a local check
of $700 on a Monday, $100 of the deposit is available on Tuesday.
The remaining $600 is available on Wednesday.
2. Nonlocal checks. The first $100 from
a deposit of nonlocal checks will be available on the first business
day after the day of your deposit. The remaining funds will be
available on the fifth business day after the day of your deposit.
For example, if you deposit a $700 nonlocal
check on a Monday, $100 of the deposit is available on Tuesday.
The remaining $600 is available on Monday of the following week.
Longer Delays May Apply
Funds you deposit by check may be delayed
for a longer period under the following circumstances:
- We believe a check you deposit will not be paid.
- You deposit checks totaling more than $5,000 on any one day.
- You redeposit a check that has been returned unpaid.
- You have overdrawn your account repeatedly in the last six
months.
- There is an emergency, such as failure of computer or communications
equipment.
We will notify you if we delay your ability
to withdraw funds for any of these reasons, and we will tell you
when the funds will be available. They will generally be available
no later than the (number) business day after the day of your deposit.
If you deposit both categories of checks, $100 from the checks will
be available on the first business day after the day of your deposit,
not $100 from each category of check.
Special Rules for New Accounts
If you are a new customer, the following
special rules will apply during the first 30 days your account
is open.
Funds from electronic direct deposits
to your account will be available on the day we receive the deposit.
Funds from deposits of cash, wire transfers, and the first $5,000
of a day's total deposits of cashier's, certified, teller's, traveler's,
and federal, state and local government checks will be available
on the first business day after the day of your deposit if the
deposit meets certain conditions. For example, the checks must
be payable to you (and you may have to use a special deposit slip).
The excess over $5,000 will be available on the ninth business
day after the day of your deposit. If your deposit of these checks
(other than a U.S. Treasury check) is not made in person to one
of our employees, the first $5,000 will not be available until
the second business day after the day of your deposit.
Funds from all other check deposits will
be available on the (number) business day after the day of your
deposit.
Model Clauses
C-6--Holds on Other Funds (Check Cashing)
If we cash a check for you that is drawn
on another bank, we may withhold the availability of a corresponding
amount of funds that are already in your account. Those funds
will be available at the time funds from the check we cashed would
have been available if you had deposited it.
C-7--Holds on Other Funds (Other Account)
If we accept for deposit a check that
is drawn on another bank, we may make funds from the deposit available
for withdrawal immediately but delay your availability to withdraw
a corresponding amount of funds that you have on deposit in another
account with us. The funds in the other account would then not
be available for withdrawal until the time periods that are described
elsewhere in this disclosure for the type of check that you deposited.
C-8--Appendix B Availability (Nonlocal Checks)
3. Certain other checks. We can process nonlocal checks drawn
on financial institutions in certain areas faster than usual.
Therefore, funds from deposits of checks drawn on institutions
in those areas will be available to you more quickly. Call us
if you would like a list of the routing numbers for these institutions.
C-9--Automated Teller Machine Deposits (Extended Hold)
Deposits at Automated Teller Machines
Funds from any deposits (cash or checks)
made at automated teller machines (ATMs) we do not own or operate
will not be available until the fifth business day after the day
of your deposit. This rule does not apply at ATMs that we own
or operate.
(A list of our ATMs is enclosed. or A
list of ATMs where you can make deposits but that are not owned
or operated by us is enclosed. or All ATMs that we own or operate
are identified as our machines.)
C-10--Cash Withdrawal Limitation
Cash Withdrawal Limitation
We place certain limitations on withdrawals
in cash. In general, $100 of a deposit is available for withdrawal
in cash on the first business day after the day of deposit. In
addition, a total of $400 of other funds becoming available on
a given day is available for withdrawal in cash at or after (time
no later than 5:00 p.m.) on that day. Any remaining funds will
be available for withdrawal in cash on the following business
day.
C-11--Credit Union Interest Payment Policy
Interest Payment Policy
If we receive a deposit to your account
on or before the tenth of the month, you begin earning interest
on the deposit (whether it was a deposit of cash or checks) as
of the first day of that month. If we receive the deposit after
the tenth of the month, you begin earning interest on the deposit
as of the first of the following month. For example, a deposit
made on June 7 earns interest from June l, while a deposit made
on June 17 earns interest from July 1.
Model Notices
C-11A--Availability of Funds Deposited at Other Locations
Deposits at Other Locations
This availability policy only applies
to funds deposited at (location). Please inquire for information
about the availability of funds deposited at other locations.
Model Notices
C-12--Exception Hold Notice
Notice of Hold
Account number: (number)
Date of deposit: (date)
We are delaying the availability of
$(amount being held) from this deposit. These funds will be available
on the (number) business day after the day of your deposit.
We are taking this action because:
--A check you deposited was previously returned unpaid.
--You have overdrawn your account repeatedly in the last six months.
--The checks you deposited on this day exceed $5,000.
--An emergency, such as failure of computer or communications
equipment, has occurred.
--We believe a check you deposited will not be paid for the following
reasons [*]:
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[*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).]
C-13--Reasonable Cause Hold Notice
Notice of Hold
Account number: (number)
Date of deposit: (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 endorsement 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:
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[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).]
C-14--One-Time Notice for Large Deposit and Redeposited Check
Exception Holds
Notice of Hold
If you deposit into your account:
- Checks totaling more than $5,000 on any one day, the first
$5,000 deposited on any one banking day will be available to
you according to our general policy. The amount in excess of
$5,000 will generally be available on the (number) business
day after the day of deposit for checks drawn on (bank name),
the (number) business day after the day of deposit for local
checks and (number) business day after the day of deposit for
nonlocal checks. If checks (not drawn on us) that otherwise
would receive next-day availability exceed $5,000, the excess
will be treated as either local or nonlocal checks depending
on the location of the paying bank. If your check deposit, exceeding
$5,000 on any one day, is a mix of local checks, nonlocal checks,
checks drawn on (bank name), or checks that generally receive
next-day availability, the excess will be calculated by first
adding together the (type of check), then the (type of check),
then the (type of check), then the (type of check).
- A check that has been returned unpaid, the funds will generally
be available on the (number) business day after the day of deposit
for checks drawn on (bank name), the (number) business day after
the day of deposit for local checks and the (number) business
day after the day of deposit for nonlocal checks. Checks (not
drawn on us) that otherwise would receive next-day availability
will be treated as either local or nonlocal checks depending
on the location of the paying bank.
C-15--One-Time Notice for Repeated Overdraft Exception Hold
Notice of Hold
Account Number: (number) Date of Notice: (date)
We are delaying the availability of
checks deposited into your account due to repeated overdrafts
of your account. For the next six months, deposits will generally
be available on the (number) business day after the day of your
deposit for checks drawn on (bank name), the (number) business
day after the day of your deposit for local checks, and the (number)
business day after the day of deposit for nonlocal checks. Checks
(not drawn on us) that otherwise would have received next-day
availability will be treated as either local or nonlocal checks
depending on the location of the paying bank.
C-16--Case-by-Case Hold Notice
Notice of Hold
Account number: (number)
Date of deposit: (date)
We are delaying the availability of
$(amount being held) from this deposit. These funds will be available
on the (number) business day after the day of your deposit [(subject
to our cash withdrawal limitation policy)].
[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).]
C-17--Notice at locations where employees accept consumer deposits
FUNDS AVAILABILITY POLICY
When funds can be withdrawn
Description of deposit by cash or check
-------------------------------------------------------
Direct deposits...................... The day we receive the
deposit
Cash, wire transfers, cashier's, The first business day after
certified, teller's, or government the day of deposit.
checks, checks on (bank name) [unless
(any limitation reIated to branches in
different check processing regions)], and
the first $100 of a day's deposits of
other checks.
Local checks......................... The second business day
after the day of deposit.
Nonlocal checks...................... The fifth business day after
the day of deposit.
-------------------------------------------------------
C-18--Notice at locations where employees accept consumer deposits
(case-by-case holds)
FUNDS AVAILABILITY POLICY
Our general policy is to allow you to
withdraw funds deposited in your account on the (number) business
day after the day we receive your deposit. Funds from electronic
direct deposits will be available on the day we receive the deposit.
In some cases, we may delay your ability to withdraw funds beyond
the (number) business day. Then, the funds will generally be available
by the fifth business day after the day of deposit.
C-19--Notice at Automated Teller Machines
AVAILABILITY OF DEPOSITS
Funds from deposits may not be available
for immediate withdrawal. Please refer to your institution's rules
governing funds availability for details.
C-20--Notice at Automated Teller Machines (Delayed Receipt)
NOTICE
Deposits at this ATM between (day) and
(day) will not be considered received until (day). The availability
of funds from the deposit may be delayed as a result.
C-21--Deposit Slip Notice
Deposits may not be available for immediate withdrawal.
Appendix D--Indorsement Standards
1. The depositary bank shall indorse a check according to the
following specifications:
- The indorsement shall contain-- --The bank's nine-digit routing
number, set off by arrows at each end of the number and pointing
toward the number;
--The bank's name/location; and
--The indorsement date.
- The indorsement may also contain--
--An optional branch identification;
--An optional trace/sequence number;
--An optional telephone number for receipt of notification of
large-dollar returned checks; and
--Other optional information provided that the inclusion of
such information does not interfere with the readability of
the indorsement.
- The indorsement shall be written in dark purple or black ink.
- The indorsement shall be placed on the back of the check so
that the routing number is wholly contained in the area 3.0
inches from the leading edge of the check to 1.5 inches from
the trailing edge of the check.1
1 The leading edge
is defined as the right side of the check looking at it from the
front. The trailing edge is defined as the left side of the check
looking at it from the front. See American National Standards
Committee on Financial Services Specification for the Placement
and Location of MICR Printing, X 9.13.
2. Each subsequent collecting bank indorser
shall protect the identifiability and legibility of the depositary
bank indorsement by:
- Including only its nine-digit routing number (without arrows),
the indorsement date, and an optional trace/sequence number;
- Using an ink color other than purple; and
- Indorsing in the area on the back of the check from 0.0 inches
to 3.0 inches from the leading edge of the check.
3. Each returning bank indorser shall protect
the identifiability and legibility of the depositary bank indorsement
by:
- Using an ink color other than purple;
- Staying clear of the area on the back of the check from 3.0
inches from the leading edge of the check to the trailing edge
of the check.
Subpart A - General
Subpart B - Availability
of Funds and Disclosure of Funds Availability Policies
Subpart C - Collection
of Checks
Appendices A & B
Appendix E
- (Large File - May Load Slowly)
Appendix F
Credit And Banking
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