FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Signature Bank of Arkansas was established in 2005 by a team of well-respected and experienced local bankers who had the dream of building a bank where decisions were made locally and in the best interests of not only the bank but customers and team members as well.
The initial stock offering for Signature Bank raised over 45 million dollars in capital with another offering shortly thereafter raising $15 million. We are a privately held bank with a strong team of corporate directors. Each of our markets also has a local board made up of individuals who are involved in their communities. These market boards also provide insight and guidance to our bank.
Signature Bank offers a wide range of loan and deposit products and services to our clients. Deposits in our bank are FDIC-insured to at least $250,000. In addition, the advisors at Signature Private Wealth Management offer investment, trust, and estate planning services to fit all your needs.
We are committed to being a trusted local bank for business owners, individuals, and families who seek personalized service from people they know. Our mission is to empower our customers to strengthen their connections through every interaction, ensuring that their dollars are reinvested locally to support the growth and prosperity of the community we share. We have a passion for preserving the traditions of community banking as we embrace the power of technology.
We have an experienced team of bankers who are dedicated to our customers and strive every day to provide extraordinary service. We have a strong executive management team and Board of Directors committed to keeping Signature Bank in a safe and secure financial position. We work with a sense of urgency, and we treat people the way we want to be treated. Our bankers are accessible; you can reach most of our bankers on their cell phone at any time day or night…including our CEO.
“To me, success in banking isn’t about being the biggest bank with the most customers. It’s about pulling together the best team to serve a unique group of customers in a way that will ensure their loyalty for life.”
Gary Head, Chairman, CEO and President
Signature Bank of Arkansas
Notice of Non-Affiliation and Disclaimer
Signature Bank of Arkansas is owned by White River Bancshares (WRIV) based in Fayetteville, Arkansas. Our community-based operations are held in the following Arkansas towns: Fayetteville, Springdale, Rogers, Bentonville, Brinkley, Harrison, and Jonesboro.
We are not affiliated, associated, authorized, endorsed by, or in any way officially connected with the various “Signature Bank” brands independently headquartered in Chicago, Florida, Kansas, Michigan, Minnesota, New York, and Texas, the Signature Bank National Associations of both Ohio and Texas, Signature Bank of Georgia, or any of their subsidiaries or their affiliates.
All related names, marks, emblems, and images are registered trademarks of their respective owners.