07/01/2025: Funds Availability Changes

IMPORTANT NOTICE

Regarding Change to Expedited Funds Availability Act (Regulation CC)

We want to let you know about changes to Regulation CC, the federal rule that governs how quickly your deposited checks become available and how financial institutions handle check collections.

These changes are part of a routine inflation adjustment required every five years by the Federal Reserve Board and the Consumer Financial Protection Bureau (CFPB) under the Expedited Funds Availability Act.

What’s Changing?

Effective July 1, 2025, several dollar thresholds have increased. These updates may affect how much of your deposit is available right away—especially if you’re making a large deposit, opening a new account, or have a history of overdrafts.

Here’s a quick summary of the key changes:

• Next-Day Availability for Check Deposits
  The minimum amount that must be available by the next business day increased from $225 to $275.
• Thresholds for Delayed Availability
  The dollar amount that may trigger longer hold times increased from $5,525 to $6,725. This applies to:
  • Large deposits
  • New accounts
  • Repeated overdrafts

These adjustments are designed to keep pace with inflation and ensure that funds availability policies remain fair and up to date.

What This Means for You

In most cases, these changes mean more of your money will be available sooner. However, if you’re depositing a large check or opening a new account, the updated thresholds could affect when your funds are fully accessible.

Learn More

Expedited Funds Availability Act (Regulation CC) | NCUA

Availability of Funds and Collection of Checks (Regulation CC) Threshold Adjustments | CFPB