Mobile Deposit Signature

July 2025 Reg CC Funds Availability Dollar Threshold Adjustments

IMPORTANT UPDATE EFFECTIVE JULY 1, 2025
The Consumer Financial Protection Bureau (CFPB) and the Federal Reserve Board jointly adjusted threshold amounts for inflation relating to the availability of accountholder funds. These Regulation CC changes include the minimum amount of funds deposited that financial institutions must make available for withdrawal by the beginning of the next business day for certain check deposits, as well as the amount of funds deposited by certain checks in new accounts that are subject to next-day availability.

What is Reg CC and Why Does it Matter?
Reg CC aims to speed up the check-clearing process and ensure customers have timely access to their deposited funds. It sets specific timeframes for when funds must be made available, depending on the type of deposit (cash, checks, electronic transfers) and the location of the paying bank.

The chart below lists the inflation-adjusted dollar thresholds for Reg CC funds availability requirements. The changes are effective July 1, 2025.

Funds Availability Policy – Change In Terms

Effective July 1, 2025, Your Ability to Withdraw Funds Policy will change to increase the amount available from checks that are placed on hold.

Minimum Amount from Deposit: $275
Cash Withdrawal Amount: $275/$550
New Account Amount: $6,725
Large-Deposit Threshold: $6,725
Repeatedly Overdrawn Threshold: $6,725

Why did this change?
Due to the Expedited Funds Availability Act for inflation approved in 2020, the policies and regulations set forth by the Federal Reserve and the CFPB will be adjusted every 5 years.

Here’s what you need to know:

Checks you deposit: The first $275 will be available the next business day. The rest will be available on the second business day.
Example: If you deposit a $700 check on Monday, $275 will be available on Tuesday, and the remaining $425 on Wednesday.

Cash withdrawals from deposits: You can withdraw up to $275 in cash on the same business day as your deposit.

Larger check deposits: If you deposit checks totaling more than $6,725 in one day, the amount over $6,725 may take up to nine business days to be fully available.

Electronic deposits (direct deposit, wires, etc.): Funds will be available on the next business day.

Government & cashier’s checks: The first $6,725 will be available the next business day if certain conditions are met (e.g., the check is payable to you). Any amount over this limit will be available on the ninth business day.

What could be more convenient than depositing a check anywhere, anytime, with the use of your smartphone? Mobile Deposit is a feature in our app that lets you photograph and deposit your check with a simple “Tap. Tap. Send.”

Summary

Free with checking or savings account
Deposits can be made securely anytime, anywhere
Easy to use app – walks you directly through the process
Email notification updates on the status of your deposit
Deposit is posted on the same business day if submitted prior to 5:00 PM

Get started now:

Download the free Signature2Go app for your phone
Start making deposits using Mobile Deposit.

Key Points to Remember

When taking a photo of your check, be sure that the corners of your check line up with the brackets on your screen. Make sure that the corners and edges are not folded or torn, and that the check image is clear and legible.
When taking a photo of your check, ensure that the back of your check is endorsed. If the back of the check is not signed then the submission will be rejected.
Do not void or shred your check after submitting it. We recommend marking it in some way (such as a checkmark in one of the corners) so that you know that you have submitted it. This way, the check is still valid and intact if ends up being rejected and needs to be submitted again or brought into the bank for deposit.
All checks deposited using Mobile Deposit must be endorsed as: “For mobile deposit at Signature Bank of Arkansas only,” followed by your signature.
The cut-off time for mobile submissions is 5:00 PM Monday through Friday, with the exception of holidays.
If you submit a check with Mobile Deposit prior to the cut off time and it gets approved, then it will go through the current night’s processing and the funds will be available the following day. If you submit an Mobile Deposit after 5:00 PM, then the deposit will not be reviewed until the following business day. Thus, upon approval, making the funds available the day after that.

If you have any questions regarding Mobile Deposit, then please feel free to contact Customer Service at (479)684-3700 or 1-877-888-8550. The Customer Service department is available Monday through Friday from 7:30 AM until 6:00 PM, regular business hours.

How to Deposit a Check

Log in to your Signature2Go app.
Select Deposit Checks on from the menu.
Select the deposit account that you would like to deposit your check into.
Tap Front of Check.
Take a picture of the front side of the check, being sure that the check is within the box present on the screen.
Tap Back of Check.
Take a picture of the back side of the check, again ensuring that the check is within the box present on your screen, and also making certain the back of the check is endorsed with “For Deposit Only at Signature Bank of Arkansas”.
Enter the check amount.
The system will load the photos and check information and “Submit” will turn green when your deposit is ready. If “Submit” is yellow, there may be an issue with the information entered.
If you have more than one check to deposit, you may add additional checks before submitting.
Once you are satisfied, select Submit.