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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.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Fayetteville
Signature Plaza / 3878 N. Crossover Rd.
P. O. Box 8550
Fayetteville, AR 72703
Phone
(479) 684-3700
Lobby Hours
Mon – Fri 8:00 AM – 5:00 PM
Drive Thru Hours
Mon – Fri 8:00 AM – 5:00 PM
ATM Available 24/7
Come visit our original bank–where Signature Bank of Arkansas started! We’re situated at the corner of Joyce and Crossover with three drive-thru lanes to serve you. Fayetteville is also home to our deposit, loan, and mortgage operations, customer service call center, and holding company headquarters. Signature Private Wealth Management is conveniently located within the building.
Our ATM not only dispenses cash, it also accepts deposits of cash and checks!
Springdale
Har-Ber Meadows / 1071 Har-Ber Lakes Drive
P. O. Box 8200
Springdale, AR 72762
Phone
(479) 361-6677
Lobby Hours
Mon – Fri 8:00 AM – 5:00 PM
Drive Thru Hours
Mon – Fri 8:00 AM – 5:00 PM
ATM Available 24/7
Our Springdale bank is situated in the heart of Har-Ber Meadows with three drive-thru lanes to serve you. Recently renovated, Springdale boasts a large conference room open for public booking. Give these friendly bankers a visit soon -they always have a full candy jar!
Our ATM not only dispenses cash, it also accepts deposits of cash and checks!
Banco Sí!
103 W Emma Avenue
P.O. Box 847
Springdale, AR 72764
Phone
English: (479) 397-0558
Spanish: (833) 888-8552
Lobby Hours
Mon – Fri 8:00 AM – 5:00 PM
Welcome to Banco Sí! We are Arkansas’ first dedicated bilingual banking experience. 100% of our staff is bilingual in Spanish and English, giving you the ability to bank in your preferred language. Any Signature customer may transact business at Banco Sí! and vice-versa -all Banco Sí! customers may transact business at any Signature location.
We hope you’ll stop by to visit this newly renovated space. Our Signature family is excited to be part of the thriving Downtown Springdale community!
Rogers
3712 Pinnacle Hills Pkwy Suite 102
P.O. Box 1170
Rogers, AR 72758
Phone
(479) 326-5800
Lobby Hours
Mon – Fri 8:00 AM – 5:00 PM
Drive Thru Hours
Mon – Fri 8:00 AM – 5:00 PM
ATM Available 24/7
Welcome to our modern approach to traditional banking. Located in the heart of Pinnacle Hills, the Rogers bank features two drive-thru lanes and an ATM that not only dispenses cash, but also accepts deposits of cash and checks!
Banco Sí!
114 S 1st Street
P.O. Box 2589
Rogers, AR 72756
Phone
English: (479) 202-5670
Spanish: (833) 888-8552
Lobby Hours
Mon – Fri 8:00 AM – 5:00 PM
Welcome to Banco Sí! We are Arkansas’ first dedicated bilingual banking experience. 100% of our staff is bilingual in Spanish and English, giving you the ability to bank in your preferred language. Any Signature customer may transact business at Banco Sí! and vice-versa -all Banco Sí! customers may transact business at any Signature location.
We hope you’ll stop by to visit this impressive space. Built in 1905 as the Bank of Rogers, we are thrilled to call this historic space home and restore it to its original purpose.
Bentonville
Fountain Plaza / 700 SE Walton Blvd.
P.O. Box 89
Bentonville, AR 72712
Phone
(479) 254-2970
Lobby Hours
Mon – Fri 8:00 AM – 5:00 PM
Drive Thru Hours
Mon – Fri 8:00 AM – 5:00 PM
ATM Available 24/7
Our Bentonville bank is conveniently located on Walton Boulevard with three drive-thru lanes to serve you. With nearly 300 years of banking experience in this building, you’re always sure to find an answer to your question. You might also catch a good tip on what’s happening around town; our Bentonville bankers are extremely involved in their community!
Our ATM not only dispenses cash, it also accepts deposits of cash and checks!
Harrison
Signature Tower / 303 N. Main Street, Suite 100
P.O. Box 3080
Harrison, AR 72602
Phone
(870) 204-5204
Lobby Hours
Mon – Fri 8:00 AM – 5:00 PM
We are proud to expand the Signature style of banking to Harrison. Our newly renovated lobby in Signature Tower is open for business, and our local team is ready and eager to serve you. Featuring two drive-thru lanes, an ATM that not only dispenses cash, but also accepts deposits of cash and checks, and a sizeable community room, we’re ready to meet your community banking needs. Stop by and say hello!
Jonesboro
502 E. Washington
P.O. Box 5080
Jonesboro, AR 72401
Phone
(870) 790-2400
Lobby Hours
Mon – Fri 8:00 AM – 5:00 PM
We could not be more excited to open our doors in Northeast Arkansas. As of 2/22/22, Jonesboro is the newest market in the Signature family. Our state-of-the-art new home is complete in Downtown Jonesboro and we can’t wait to welcome you to our beautiful new location!
Bank of Brinkley
130 S. New Orleans Ave.
P. O. Box 727
Brinkley, AR 72021
Phone
(870) 734-3133
Lobby Hours
Mon – Thurs 9:00 AM – 4:00 PM
Fri 9:00 AM – 5:00 PM
Drive Thru Hours
Mon – Thurs 9:00 AM – 4:00 PM
Fri 9:00 AM – 5:00 PM
Signature’s presence in Brinkley reaches back to the founding of the Bank of Brinkley in 1903. We love tradition, which is why you’ll see signage for Bank of Brinkley more often than Signature Bank of Arkansas. The downtown bank, or “main bank,” features two drive thru lanes and is located on New Orleans Avenue.
Bank of Brinkley North
1405 N. Main
P. O. Box 727
Brinkley, AR 72021
Phone
(870) 734-3133
Lobby Hours
Mon – Thurs 9:00 AM – 4:00 PM
Fri 9:00 AM – 5:00 PM
Drive Thru Hours
Mon – Thurs 9:00 AM – 4:00 PM
Fri 9:00 AM – 5:00 PM
Signature’s presence in Brinkley reaches back to the founding of the Bank of Brinkley in 1903. We love tradition, which is why you’ll see signage for Bank of Brinkley more often than “Signature Bank of Arkansas.” The “North Bank,” as we call it, has three drive thru lanes and is conveniently located near the interstate, just in front of Food Giant.