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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.
In honor of Independence Day, we will be closed on Friday, July 4.
We will be open with regular service hours on Thursday, July 3.
En honor al día de la independencia de los Estados Unidos, permaneceremos cerrados el martes, 5 de viernes.
Estaremos de vuelta con nuestro horario regular el día míercoles, 3 de julio.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
We appreciate your interest in employment with Signature Bank of Arkansas. Our talented team members are passionate about providing extraordinary customer service and supporting the communities in which they are located.
Here at Signature Bank, where we bank in blue jeans, we believe coming to work every day should be fun -you read that right, FUN! It’s part of our culture, so much so, that it’s written into our People Policy! Our teammates become family and our customers become friends -we’d love to have you check us out!
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SVP Marketing, Tori Bogner
My first few days at Signature, everyone had so many great things to say about joining the team. “You’ll never want to work anywhere else.” “We’re like a family here, welcome!” “This is going to be the best job you’ve ever had!”
As you can imagine, I was skeptical at first, but I can verify all those sentiments are true! I love working with a team who treats each other like family, and an organization that values me as an individual.
Tori Bogner, Director of Marketing & Communications
Team Member since 2019
Shawn Bailey
I am very passionate about community banking and proud to say Signature Bank of Arkansas is truly invested in its community. I enjoy being a part of a team where we all have the same goal of ensuring our customers receive the best banking experience with every interaction.
When starting as the Bank Manager in the Springdale Market, my expectations of the team environment and support were far surpassed. The Signature Bank family welcomed me with open arms and offers an amazing culture. I look forward to being a part of the Bank’s future growth and success, as well as the opportunities that will come.
Shawn Bailey, Springdale Bank Manager
Team Member since 2022
Corey headshot
When I was first hired, I felt the immediate acceptance and support from countless employees from all of our markets. That was very reassuring in knowing I was in the right place with the right people. When you see the Chairman of the bank almost every day and he stops to talk and asks about your family members by name, it’s a genuine example of the way we treat each other and our customers. It’s now been 2 ½ years since I was hired and I can honestly say I wish I had made the move many years ago!
Corey Erickson, Mortgage Lender
Team Member since 2020
Michelle Villines
Clients aren’t numbers here! Growing up in a small business meant really getting to know your clients and coworkers. I love that I have that freedom here. I’m allowed to sit around and actually get to know my coworkers, and have a conversation with our clients, well beyond the reason they called. Clients become friends and coworkers become family; it’s really the best of both worlds – a little bit of work and a whole lot of fun!
Michelle Villines, Operations
Team Member since 2015
If you are interested in joining the Signature Bank team browse our current list of available positions. Upon applying for a position, your completed information will be processed and you will receive a follow-up email.
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