Reg CC Hold Alerts

When prompted with a Hold Alert while processing transactions you MUST do your due diligence. 

• Review the relationship
• Review the items being deposited
• Determine if the hold type being recommended is warranted

The following are Reg CC Hold Alerts that may prompt when processing transactions:

AlertCenter

Beginning January 26, 2024 

AlertCenter is our advanced real time fraud detection feature that recommends a hold based on the items scanned. AlertCenter provides advanced notification on potential returns, enables loss avoidance, helps detect new account fraud, and expedites funds availability decisions on not-on-us checks through all deposit channels. 

When prompted with one of the following AlertCenter Details, you must click Show AlertCenter Risk Items and review each item before proceeding with the transaction:

When prompted with multiple hold alerts, choose the hold that imposes the longer wait period.

Waiving A Hold 

While you have the ability to waive a hold alert, understand the risk in doing so.

To waive a hold, do the following:

1. Click on the X next to the hold you want to waive. 
   • The alert selected highlights in red.
     
2. A prompt displays, click Yes.
   

Reg CC Hold Notice Example

Manually Placing a Hold - CCB Supervisor Menu

To manually place a hold on a deposit after the transaction is completed, do the following:

1. In Xperience > Teller > CCB Supervisor Menu > Work With Reg CC Forms.
2. Click Create.
   
3. Complete the Capital City Bank Notice of Hold/Delayed Availability form for the client.
   1. The required fields are highlighted below.
      
4. In the Check Description field, enter the bank name, account number, routing and check number. 
5. Click Print Form. Two copies of the document will print. 
6. Have the client sign the form. Provide one copy to the client and scan the other. 
7. Apply the appropriate hold.  See  the Funds Availability chart and Holds Covered by Reg CC for more information. 
8. If Vertex is not available, do the following:
   1. Upload the hold when the system becomes available.
   2. Load the hold in Silverlake.
   3. Be sure to use the correct expiration date, which is not the date available printed on the Notice of Hold/Delayed Availability. The expiration date of the hold is the processing date prior to the available date. 
      • For example: If the funds were to be available on Wednesday, the expiration date for the system would be Tuesday’s calendar date. When the hold is loaded this way, the funds would then be available at the opening of business on Wednesday (as required by the regulation).
   4. When funds are to be available on a Monday, the expiration date must be the previous Friday. We do not process on Saturday or Sunday, and therefore if the hold is not released on Friday, the funds are not be available on Monday morning for the client.
9. In the upper right-hand corner of the hold form, write loaded by and your initials. 
10. Review the following information to ensure it is correct:
    • Dollar amount
    • Number of hold days
    • Expiration date 
    • Funds available date
11. If corrections to the funds available date are required, a new form/notice must be completed and provided to the client showing the correct date. If the client is no longer present, a new form showing the corrected date must be mailed to the client.
12. Complete all Document Imaging Procedures.

Manually Placing a Hold - Transaction Summary Screen

If you do not place a hold through a Reg CC Hold alert when processing the transaction, you can manually place the hold from the Transaction Summary screen by doing the following:

1. Click on Reg CC.
   
2. Enter the following:
   1. Amount of hold
   2. Days to hold
   3. Hold reason
      
3. Click OK.
4. Two copies of the hold form print to the laser printer and the hold information is written to the core.