Check Holds

What is A Check Hold? 

When a check is deposited, some funds may be placed on hold. This is so that C1CU can verify that the check is payable and will not be rejected from the payer's financial institution. 

Funds Availability

According to federal regulations, there are six exceptions that can impact the amount of a check that is placed on hold.

  • New accounts less than 30 days old.
  • There is an emergency such as a natural disaster or power outage that is out of our control. 
  • The deposit account has a history of being overdrawn.
  • Checks over $5,000 deposited in a single day. 
  • Redeposited checks.
  • If there is reasonable cause to doubt the check's validity. 


How do I know if a check I deposited is on hold?

  • Communicate your concerns with the teller depositing your check. 
  • Check your deposit receipt for hold notifications.
  • Compare account balances with available account balances.


If a hold is placed on your check, we'll inform you in writing. Either on your initial transaction receipt or in a letter in the event a hold was modified after the initial deposit. This notice will let you know how much of your deposit is available and when.

Questions? Please reach out to us at or give us a call at 253-722-5212 for clarification.

Equal Opportunity Act, and NCUA Insurance.