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Generally, the issue of placing deposit holds is no longer in the hands of the tellers. There are broad general rules and then there are also back end tools that use complex risk evaluations to determine if there needs to be a hold. That's why tellers frequently couldn't say why a hold has been placed if it is outside those broad categories. It could be (just as an example) that the risk analysis software has noticed a pattern of fraudulent cashier checks in your town deposited to accounts newer than 90 days.
The amount of check fraud out there is amazing and the tools we love for making banking easier just make that easier as well. But deposit holds are among the biggest customer complaints and I can assure you the customer facing bankers behind them generally don't like them much better than the customers.
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