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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
✔ Signature Bank Mastercard Debit Card
✔ Digital Banking with bill pay
✔ Telephone Banking, Text Banking, and Phone Transfers
✔ Mobile Deposit with your smartphone
✔ Paper or eStatements
✔ ATM Fee Refunds
✔ Unlimited checking and debit card use
✔ Signature FinancialVue online management
✔ Overdraft Privilege (see disclosure here)
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Place a First Time Order Reorder Checks
Effective July 1, 2025 changes are coming to Regulation CC (Hold Funds Availability thresholds).
The adjustments to the rule are as follows:
| Section | Threshold | |
| Effective July 1, 2020 | Effective July 1, 2025 | |
| Minimum Amount, 12 CFR 229.10(c)(1)(vii). | $225 | $275 |
| Cash Withdrawal Amount, 12 CFR 229.12(d). | $450 | $550 |
| New-Account Amount, 12 CFR 229.13(a)(1)(ii). | $5,525 | $6,725 |
| Large-Deposit Threshold, 12 CFR 229.13(b). | $5,525 | $6,725 |
| Repeatedly Overdrawn Threshold, 12 CFR 229.13(d)(2). | $5,525 | $6,725 |
| Civil Liability Minimum and Maximum for Individual Action, 12 CFR 229.21(a)(2)(i). | $100 $1,100 |
$125 $1,350 |
| Civil Liability Maximum for Class Action, 12 CFR 229.21(a)(2)(ii)(B). | $552,500 | $672,950 |
All of the above will change July 1, 2025 and, per the rule, the indexes will adjust every five years going forward.
If you have any questions, please contact us at (877) 888-8550.