Large-deposit and exception holds

How do we place large-deposit and new-account holds under Reg CC with the right reason, the right availability date and the notice on time?

Make the hold a decision the process takes, not the teller. When a deposit meets a Reg CC exception condition, Callvu classifies the exception, computes the availability date from the schedule, produces the hold notice with the required content, gives it to the customer at the time of deposit or sends it by the next business day, records the hold and the notice in the core, and releases the funds on the date.

In scopeSimpleCallvu moves: classify, decide, write back

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Last updated November 6, 2026.

The problem today

The teller decides the hold, the notice is a stamp, and the funds are released a day late or a day early.

Today, without Callvu

A customer deposits a large check. The teller places a hold because the amount looks big, picks a number of days from memory, and hands over a stamped receipt. Or does not place a hold on a new account that should have had one. Deposit operations reviews the holds the next morning and reverses some, and the notice that went out is wrong for the hold that stays.

Reg CC is specific: which exceptions allow an extended hold (large deposits over the threshold, new accounts in their first 30 days, redeposited checks, repeated overdrafts, reasonable cause to doubt collectibility, emergency conditions), how many business days the hold may run, what the notice must say, and when it must be given. A hold outside the rule is a violation; a hold without the right notice is a violation; a release late is a violation.

The thresholds move. The large-deposit and new-account amounts are inflation-adjusted every five years, and a hold schedule that lives in a teller's memory does not update.

How it runs

From the requestto the system of record.

A deposit is made at a teller line, an ATM, a mobile deposit, or by mail, and meets a condition in the bank's hold policy. Callvu picks up the deposit and the account.

Teller or deposit operations: Makes or reviews the deposit; sees the hold the process decided and its notice; overrides only within the allowed outcomes.
Customer: Receives the hold notice with the availability date and the reason.
Callvu: Classifies the exception, computes the availability, produces and delivers the notice, records the hold and releases on the date.

Classify the exception
Callvu reads the deposit (amount, item types, the depositor, the account's age and history) and tests it against the Reg CC exceptions in the bank's policy: large deposit over the current threshold, new account within 30 days of opening, a redeposited item, repeated overdrafts in the past six months, reasonable cause to doubt collectibility (with the specific reason), or an emergency condition. No exception means no exception hold.
Compute availability
From the exception and the item type, Callvu computes the availability date: the next-day amount, the standard schedule, and the extension the exception allows, counted in business days with the bank's cutoff and holidays. For a new account, the special rules for cashier's, government and on-us checks apply.
Decide
The hold is placed by rule. A reasonable-cause hold, which needs a stated reason, or a case the policy reserves, goes to deposit operations in the Decision Desk with only the allowed outcomes: confirm with the reason, shorten, or release.
Notify and write back
The hold notice with the required content (the account, the deposit, the amount held, the reason, the availability date) is given to the customer at the time of deposit, or sent by the first business day after if the deposit was not made in person. The hold, the notice and the availability date are written to the core, and the funds release on the date without anyone remembering.

Where it ends: The hold is in the core with its exception, the computed availability date and the notice record, and the funds release on the date. The Decision Trace shows the exception test and the computation; the Audit Trace shows the notice delivery and the release.

Runtime enforcement

What is enforcedwhile the work runs.

The regulations preloaded in Callvu Studio and the bank's own policies, applied as steps that run, not lines in a binder. A step that breaks a rule does not run, so a completed run was compliant.

Regulations

Reg CC exception holds (12 CFR 229.13): A bank may extend the availability schedule for: new accounts (first 30 days), large deposits (the aggregate over the threshold on one banking day, with the threshold inflation-adjusted under 229.11), redeposited checks, accounts with repeated overdrafts (six or more in the past six months, or two or more over the large-deposit threshold), reasonable cause to doubt collectibility, and emergency conditions. The extension must be a reasonable period, generally up to five additional business days for most items beyond the standard schedule.
Reg CC exception hold notice (12 CFR 229.13(g)): The notice states the account number, the date and amount of the deposit, the amount being held, the reason for the hold, and the day the funds will be available. It is given at the time of the deposit if made in person to an employee, or mailed or delivered by the first business day after the bank learns of the facts. For a reasonable-cause hold the specific reason is stated.
Reg CC availability schedule and new accounts (12 CFR 229.10 and 229.12, with the new-account rules in 229.13(a)): Next-day availability for cash, electronic payments and the first portion of a check deposit; the standard schedule for the rest; and for new accounts, next-day availability for the first portion of cashier's, certified, teller's, government and on-us checks when deposited in person, with the remainder available by the ninth business day.
Reg CC funds availability disclosure (12 CFR 229.16): The bank's hold policy was disclosed at account opening; the hold placed must be consistent with that disclosure.

Company policies

The hold policy (which exceptions the bank uses, the extension periods, the reasonable-cause reasons) is the bank's Reg CC policy and is applied by Callvu to every deposit.
No exception hold without a qualifying exception; no reasonable-cause hold without a stated reason.
The notice is produced by the process with the required content, never stamped or handwritten.
Funds release on the computed date automatically.
The core is the system of record for the hold and the availability date.

Controls

Exception test on every deposit against the current thresholds.
Availability computed in business days with the bank's cutoff and holiday calendar.
Decision Desk routing for reasonable-cause holds and reserved cases.
Notice content and timing enforced by delivery channel.
Automatic release on the date.
Threshold values maintained from the inflation adjustment.

Clocks and deadlines

Notice timing: At the time of deposit when made in person; by the first business day after the bank learns of the facts otherwise.
Availability: Computed from the exception and item type; the standard schedule plus the allowed extension, in business days.
New account period: The first 30 days from opening.

Documents and checks

The deposit record with items and amounts
The exception test result and, for reasonable cause, the stated reason
The hold notice as produced and delivered, with channel and time
The hold record in the core with the availability date
The release record

In the Decision Trace

Which exception applied and why, or that none did.
The availability computation, step by step.
The Decision Desk outcome on a reasonable-cause hold.
The notice content and delivery timing.

In the Audit Trace

The deposit, its channel and time.
The hold placed and by what rule.
The notice delivery.
The release on the date.

The handoff

Between the front doorand the back office.

The front door

The teller line, the ATM, mobile deposit or mail. The teller sees the hold the process decided and the notice to hand over; nothing is decided from memory.

The back office

Deposit operations reviews only reasonable-cause holds and reserved cases. The core carries every hold with its notice and release date from Callvu.

The Decision Desk

A reasonable-cause hold goes to deposit operations in the Decision Desk with the deposit, the account history and only the allowed outcomes: confirm with the stated reason, shorten, or release.
A hold the policy reserves (for example, a new-account hold on a relationship customer) can be reviewed the same way.

Proof

In scope.Proof at scale, not one process at a time.

The kind of process Callvu runs in production for customers in this industry. Ask for a reference on this exact process. The results below are the industry's published proof; each claim code links to its record on agents.callvu.com.

More than 1,000 processes are live across Callvu customers.

Across Callvu customers

Banca Transilvania automated more than 100 workflows with Callvu.

BNK-04

Bank Leumi digitized all loan application and servicing workflows within six months, and dozens more processes since.

BNK-01

Questions

What buyers ask next,answered plainly.

Can a teller still place a hold?

The process decides the hold from the Reg CC exceptions in the bank's policy and shows the teller the notice to give. A teller can route a case to deposit operations, but cannot place a hold outside the rule.

How is the availability date computed?

From the exception and the item type, in business days with the bank's cutoff and holidays, applying the standard schedule and the extension the exception allows. The computation is in the Decision Trace.

What about the inflation-adjusted thresholds?

The current large-deposit and new-account thresholds are maintained in the policy and applied on every test; a teller's memory is not involved.

When are the funds released?

On the computed date, automatically, with the release recorded.

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