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DESCRIPTION:Understanding the credit union’s check hold rights and responsi
 bilities can mean the difference between taking a loss and avoiding a loss
 . Although members may want to use deposited funds immediately\, there are
  times when applying holds can save the credit union (and in some cases th
 e member) from having an item returned. Join us to learn about the maximum
  time frames and circumstances for correctly placing deposit holds. Then t
 here is the return process. This webinar will address the specific time fr
 ames in which to return an item unpaid and the required notifications to t
 he financial institution where the item was deposited. Also\, in this era 
 of remote deposit capture and substitute checks\, it is important to under
 stand what a substitute check is (and what it is not)\, plus the additiona
 l rights and liabilities that substitute checks entail. HIGHLIGHTS What ar
 e the maximum time frames for placing a hold on a deposit? How long can ho
 lds be placed on an exception basis? What are the notification requirement
 s? Is there a difference between a teller check and a cashier’s check? Doe
 s a hold notice need to be provided at time of deposit? What’s the differe
 nce between a copy of a check and a substitute check? Why is it important?
  Who is entitled to the special protections for substitute checks? Are spe
 cial notices required when substitute checks are returned to the accountho
 lder? How long does the credit union have to return a check? Must the cred
 it union always reimburse the accountholder for a returned item? TAKE-AWAY
  TOOLKIT Check hold chart for easy reference Notices required under Regula
 tion CC WHO SHOULD ATTEND? This informative session will be useful for all
  operations personnel\, accounting clerks\, tax accountants\, management\,
  compliance officers\, and attorneys. ABOUT THE PRESENTER – Mary-Lou Heigh
 es\, CUCE\, Compliance Plus\, Inc. Mary-Lou Heighes is President and found
 er of Compliance Plus\, Inc. Involved in the credit union movement since 1
 989\, she spent 5 years working in credit unions in almost every position\
 , including loan officer\, marketer\, and collector. She also worked at th
 e California Credit Union League for 7 years\, providing compliance assist
 ance and advising credit unions of regulatory changes. While at the league
  and for several years thereafter\, Mary-Lou advised on state and federal 
 legislative issues. Compliance Plus\, Inc. was founded in 2000 to provide 
 compliance assistance to credit unions. Since then\, Mary-Lou has helped c
 redit unions with developing compliance programs\, provided compliance tra
 ining nationwide\, and spoken at numerous credit union conferences through
 out the country. She has been an instructor at Regulatory Compliance Schoo
 ls\, conducts dozens of webinars for credit-union-related organizations th
 roughout the country\, and has written articles for Credit Union Magazine.
  PLEASE NOTE: Your registration fee allows you to have one telephone conne
 ction. However\, as many people as you like may listen from your office sp
 eaker phone. If you register for the webinar\, your registration fee also 
 includes one internet connection from a single computer terminal. THREE RE
 GISTRATION OPTIONS 1. LIVE WEBINAR The LIVE WEBINAR option allows you to h
 ave one telephone connection for the audio portion and one Internet connec
 tion (from a single computer terminal) to view online visuals as the prese
 ntation is delivered. You may have as many people as you like listen from 
 your office speaker phone. Registrants receive a toll-free number and pass
  code that will allow entrance to the seminar. The session will be approxi
 mately 90 minutes\, including question and answer sessions. Seminar materi
 als\, including instructions\, pin number\, and handouts will be emailed t
 o you prior to the broadcast. You will need the most current version of Ad
 obe Reader available free at www.adobe.com. 2. ON-DEMAND WEB LINK** AND FR
 EE CD ROM* Can't attend the live webinar? The ON-DEMAND WEB LINK** is a re
 cording of the live event including audio\, visuals\, and handouts. We eve
 n provide the presenter's email address so you may ask follow-up questions
 . Approximately 1 week prior to the webinar\, you will receive an email wi
 th the web link. This web link can be viewed anytime 24/7\, beginning 6 bu
 siness days AFTER the webinar and will expire 6 months after the live prog
 ram date. But there's more . . . AS AN ADDED BONUS\, you will also receive
  a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visua
 l presentation\, the question and answer sessions\, and the handouts. Use 
 the on-demand link or this "off-the-shelf" training program for those that
  could not attend the live seminar and for future training. 3. BOTH LIVE W
 EBINAR AND ON-DEMAND WEB LINK** (INCLUDES FREE CD-ROM*) Includes options 1
  and 2 above *CD Rom for PC use only **All materials are subject to copyri
 ght and intended for your credit union's use only. NEW! Listen on your iPa
 d\, iPhone\, or Android. Instructions will be emailed to you with the on-d
 emand link. INVESTMENT: $199.00 Webinar per connection $199.00 Archived On
 -Demand Web Link &amp\; Free CD ROM $249.00 Both Live Webinar &amp\; Archi
 ved On-Demand Web Link &amp\; Free CD ROM TIME: 3:00 p.m. - 4:30 p.m. To r
 egister and pay by check\, email Mary Zelinsky at mzelinsky@njcul.org and 
 your credit union will be invoiced. To register and pay online\, click her
 e.
DTEND;TZID=Eastern Standard Time:20130206T163000
DTSTAMP:20130521T105724
DTSTART;TZID=Eastern Standard Time:20130206T150000
LOCATION:
SEQUENCE:0
SUMMARY:> Webinar: Dissecting Regulation CC: Holds\, Substitute Checks & Ch
 eck Clearing
UID:0700a520-3ad2-487c-877b-40df04ded25e
URL:http://www.njcul.org/-webinar-dissecting-regulation-cc-holds-substitute
 -checks-check-clearing-2013-02-06.aspx
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