We want to inform you, our members, of upcoming changes to Regulation CC — the rule governing the availability of funds and the collection of checks. These changes, mandated by the Federal Reserve Board and the Consumer Financial Protection Bureau (CFPB), will take effect on July 1, 2025. These adjustments may impact when and how much of your deposited funds become available, particularly for larger deposits or new accounts.
What’s Changing?
Effective July 1, 2025, the following updates to Regulation CC will take place:
- Minimum Availability Amount: Increasing from $225 to $275 (This is the amount of a check deposit that must be made available by the next business day.)
- Cash Withdrawal Amount:
Increasing from $450 to $550 Applies to the amount available for cash withdrawal from certain deposits.)
- Special Rule Thresholds for New Accounts and Large Deposits:
- New Account Threshold: from $5,525 to $6,725
- Large Deposit Threshold: from $5,525 to $6,725
- Repeated Overdraft Threshold: from $5,525 to $6,725