ࡱ> #` bjbj ;2b ZZZd606060604j0DY0(0000ظڸڸڸڸڸڸ$EhNZذذذ00yذ">0Z0ظذظ, .Z00 u60"ظ)0YXZH"ɯtYذذذذ$6060n$  SHAPE \* MERGEFORMAT   SHAPE \* MERGEFORMAT  On-Us Checks Off-Us Checks No Hold is necessary because check is cleared through members account. New Accounts -less than 30 days old If the check is: Federal/State Government Money Order Travelers Check Corporate/Cashiers Check Title Company Check (from the exemption list) Accounts over 30 days old If the check is: Federal/State Government Money Order Travelers Check Corporate/Cashiers Check Title Company Check (from the exemption list) Well-known Payroll Check Other Check over $100 Under $5000 Over $5000 No Hold Verify Okay Wont Verify 9-day New Account Hold on amount in excess of $5000 No Hold 9-day New Account Hold Well-known Payroll Check Other Check Under $5000 Over $5000 with cash back No Hold Verify Okay Wont Verify Apply local or non-local Hold No Hold $100 or less $100.01 to $5000 Over $5000 No Hold No Hold Verify Will not Verify Okay No Hold Apply local or non-local Hold No Hold Has the member had an account in good standing with us over 2 years? Does the member have matching funds? Yes No Apply local or non-local Hold No Hold Yes No No Hold Apply local or non-local Hold Does the member have a Line-of-Credit with available funds equal to or greater than the amount of the check? Yes No No Hold Apply local or non-local Hold Over $5000 no cash back No Hold No Hold up to $2500 Rewards Member (CFEE or TEMP) 3rd Party Checks Are both payees GWCU members? No Hold Over $5000 Yes No Hold up to $5000 No Does the member have a checking account for 2+ years, a loan or VISA, AND Direct Deposit? Yes No 8/23/07 Deposit into a Savings Account w/ a 15-Day Hold Credit Card Checks Yes Are matching funds available in the depositing members account? Yes No Hold up to $1000 No Apply local or non-local Hold No Apply local or non-local Hold Using the Check Hold Decision Tree Using Judgment You will come across checks that you believe should have a longer or shorter hold that the Decision Tree indicates. When this happens, please consult with a manager to discuss the appropriate hold. Using judgment of this sort is not only appreciated, but expected. Fraud Do all that you can to identify fraudulent /counterfeit checks (using the Fraud Fighter, etc.) and if you suspect a check may be fraudulent, talk to a manager immediately. You will likely decide not to accept the check at all. Depositing to a Savings Account Holds on deposits to savings accounts are not limited as holds on deposits to checking accounts. 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