Patent ID: 8403209

Claim:
A method comprising: receiving information associated with a deposit item; determining, using a processor, an actual deposit amount identified by the deposit item based at least partially on the information associated with the deposit item; determining, using a processor, a payee account to receive the deposit item based at least partially on the information associated with the deposit item; determining, using a processor, a drawer account on which the deposit item is drawn based at least partially on the information associated with the deposit item; determining, using a processor, a hold limit for the payee account; determining, using a processor, an adjusted deposit amount for the deposit item based at least partially on: (a) the actual deposit amount identified by the deposit item, and (b) one or more characteristics associated with the drawer account; and calculating the adjusted deposit amount as greater than the actual deposit amount by a first amount if the drawer account is held by a business and greater than the actual deposit by a second amount if the drawer account is held by a consumer, wherein the first amount is different from the second amount; determining, using a processor, a hold decision for the deposit item based at least partially on a comparison of the adjusted deposit amount to the hold limit.