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Why is there a hold on the funds I just deposited?

We may place holds on deposited checks to protect your accounts in the event the check is returned, especially for larger checks.  A case-by-case check hold is determined by the check that is being deposited and your relationship history with Heartland CU.  We will look at each situation diligently for reasons not to place a hold, however, in some cases it is not possible to avoid a hold.