Important Regulation CC
(Availability of Funds and Collection of Checks)
Changes
Effective July 1, 2025
In accordance with 12 CFR 229, Availability of Funds and Collection of Checks (Regulation CC), we are updating our Funds Availability Policy effective July 1, 2025. These changes impact when deposited funds will be available for withdrawal – increasing the amount made available to you for certain items presented for deposit.
Key Changes to Funds Availability
- The first $275 (previously $225) of a check deposit will generally be available no
later than the first business day after the day of deposit. - The threshold for large check deposits subject to extended holds has increased
to $6,725 (previously $5,525). - For new accounts, the amount of deposits available within the first business day
has increased to $6,725 (previously $5,525).
These updates align with adjustments mandated by Regulation CC. Our general policy
remains the same—most deposits will continue to be available on the day of deposit.
However, certain check deposits may be delayed for a longer period under the following
circumstances:
- We believe a check you deposited will not be paid
- You deposit checks totaling more than $6,725 on any one day
- You redeposit a check that has been returned unpaid
- You have overdrawn your account repeatedly in the last six months
- There is an emergency, such as failure of computer or communications equipment.