The credit union may use an exception hold on a check that was previously deposited, but was returned unpaid. This allows the credit union to lessen the risk associated with this transaction.
An exception hold may not be applied to any check that has been returned unpaid and re-deposited if the reason for the return was a missing endorsement or a post date and that reason no longer exists.
The credit union may generally extend the availability schedule for checks by five business days. Therefore, a check that had an exception hold would generally be available no later than the seventh business day.
In addition, you may want to review your account agreement provided to you at the time the account was opened, which should explain the credit union’s funds availability policy and schedule applicable to your account.