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
We offer affordable loan options to help you make your dreams come true. Buy a new car or recreational vehicle, or make those credit card bills go away—we can help.
When it comes to making that next big purchase, think of Signature as your own personal genie. Or maybe fairy godmother, if you prefer. Our point is that we’re here to help you make your dreams come true. Whether you’re wishing for a new car, a recreational vehicle, or to make those credit card bills go away, we can make it happen. True, it might not be as easy as rubbing a magic lamp, but it’s pretty close! Apply today and find out for yourself.
Prepare for future expenses, whether they’re planned or unplanned, by getting pre-approved for a line of credit. You can access funds if you need them and won’t pay a thing if you don’t.
When making a major purchase, you know how much money you need to borrow and when you’ll need it. But what about unexpected costs you didn’t see coming because, well, they were unexpected? That’s where a line of credit comes in. Get pre-approved, and you’ll have funds standing by whenever you need them. Best of all, you don’t pay a cent until you use the funds. It’s a flexible financing solution that ensures you’re ready for anything.
Cruising around Arkansas is a lot more exciting in a new-to-you car or boat. Get affordable financing and flexible terms on your next car, truck, boat, or RV.
Dreaming of cruising around town or enjoying life on the lake? Signature Bank of Arkansas can offer the financing you need to purchase a new car, truck, motorcycle, or boat. We offer competitive rates and flexible terms with quick local decisions so you can hit the road or start riding waves in no time.
Your next big adventure begins with a recreational loan from Signature Bank of Arkansas. We offer competitive interest loans on all the things you need to explore and enjoy the world.
We like to have fun at Signature, and we want you to enjoy life, too. That’s why we offer great rates on recreational loans. Get affordable financing on motorcycles, four-wheelers, boats, motor homes, and other things you can use to get out there and enjoy the beautiful Arkansas countryside. We can set you up with flexible terms that can help keep your payments affordable.
Life is full of surprises, and plenty of them are expensive. With a Platinum Visa in your wallet, you’ll be prepared for anything that comes your way.
Life is full of surprises. And plenty of those surprises are expensive. But with a Platinum Visa® in your wallet, you’ll be prepared for anything. This card gives you everything…except an annual fee! Get a competitive interest rate, online account access, and the UChoose Rewards® program, so even when you’re making purchases, you’re putting a little something back in your own pocket. It’s the only card you’ll ever need!
All credit products are subject to credit approval.