If you want to give a member default check holds based on their relationship with the credit union, you'll need to set up Electronic Deposit Hold groups (Tool #355 "Electronic Deposit Hold Configuration" with the appropriate # of days, then use the Member in Good Standing system (Tool #499 "Member In Good Standing Configuration") to assign the hold groups according to Tiered Service Level. 

Then, in the Teller Check Holds configuration feature (Tool #849 "Teller Check Holds Configuration"), you'll need to check the "Override based on member's electronic deposit hold group" flag.  The system will use the member's # of hold days as the default when the outside checks screen first displays.  (Depending on your configuration, that # of days might recalculate after an R&T and/or amount is entered, of course.)