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
3878 North Crossover RD Ste. 30 – Fayetteville, AR 72703 – Phone: 479.684.3700 or 877.888.8550 – Fax: 479.684.3797
Gary Head
Brant Ward
Danny Lewis, Daniel Lewis
Jeff Maland
Crandall Streett
Alex Gladden
Scott Sandlin
Phone: 479.254.2970 or 877.888.8550 – Fax: 479.254.2988
Headshot of Melody Martens
Jason Orlicek
Susan Wilkerson
Christie Davenport
Brock Hessing
Rob Ginn
Bently Manatt
Jennifer Martin
Tracy Johnson
Carmen Robinson
Todd Wilson
Pennie Lewis
Phone: 479.684.3700 or 877.888.8550 – Fax: 479.684.3797
Will Gladden
Shannon Glenn
Nick Mero
Sheri Koch
Annette Cornelison
Cody
Sarah Salsbury
Corey headshot
Mortgage Lender
NMLS #607974
(O) 479.684.3718
(C) 479.466.5234
Daniela Allen
Clark Rogers
303 N. Main, Suite 100 Harrison, AR 72061 870.204.5204
Karlea Newberry
Ty Rowland
Buster Burns
Burnetta Chaney
Residential Lender
NMLS #412188
(O) 870.204-5219
(C) 870.715.5861
111 E Jackson Ave Jonesboro, AR 72401 870.790.2400
Ryan Moore
Taylor Galloway
Allison McDaniel
Brock Ferguson
Kim Finley
Corey Ladyman in Downtown Jonesboro
Mortgage Lender
NMLS #140015
(O) 870.641.2188
(C) 501.626.4895
Phone: 479.326.5800 or 877.888.8550 – Fax: 479.361.6688
Ryan Dagley
Hunter Stuckey
Carissa Cummings
Kent Arnold
Knight Weis
Mason Overstreet
Phone: (EN) 479.202.5670 or 877.888.8550 – (ES) 833.888.8552
Gisela Mejia
Evelyn Vazquez
headshot pending
Downtown Rogers Assistant Bank Manager
479.306.8855
Bilingual: English-Spanish
Yasmin Ramirez
Samantha Corletto
Marisol Corona
Phone: 479.361.6677 or 877.888.8550 – Fax: 479.361.6688
Brianna Crews
Knight Weis
Russell Greenlee
Shawn Bailey
Randall Harriman
Tina Frye
Jake Helton
Eddie Ramos
Patty Carranza
Downtown Springdale Bank Manager
479.384.5477
Bilingual: English-Spanish
Bryan Rosales
Downtown Springdale Assistant Bank Manager
479.397.2461
Bilingual: English-Spanish
Aleyda Herrera
Henry Campos
headshot pending
Phone: (EN) 479.397.0558 or 877.888.8550 – (ES) 833.888.8552
Kim Whedbee
Mortgage President
NMLS #845878
(O) 479.684.3717
(C) 479.790.5979
Corey Ladyman in Downtown Jonesboro
Mortgage Lender
NMLS #140015
(O) 870.641.2188
(C) 501.626.4895
Burnetta Chaney
Residential Lender
NMLS #412188
(O) 870.204-5219
(C) 870.715.5861
Corey headshot
Mortgage Lender
NMLS #607974
(O) 479.684.3718
(C) 479.466.5234
Jamie Cornett
Ryan Goens
Clint Cates
headshot pending
Brian Cole
Branch Manager
Financial Advisor
Investment Adviser Representative
AR Insurance License #9241668
479.684.3708
Jake Springer
Financial Advisor
Investment Adviser Representative
AR Insurance License #3245334
479.684.3748
Spencer Bratcher
Financial Advisor
Investment Adviser Representative
AR Insurance License #19408634
479.684.3761
Patricia Nuovo
Certified Financial Professional®
Financial Advisor
Investment Adviser Representative
AR Insurance License #19047393
479.715.6940
David Battisto
Financial Advisor
Investment Adviser Representative
AR Insurance License #1065523
870.391.8101
Chad Bundy
Financial Advisor
Investment Adviser Representative
AR Insurance License #12114667
870.391.8101
headshot pending
Dakota Klass
Holly Hood
Chery Wynn
SVP Marketing, Tori Bogner
Brandon Andrews
Jennifer Stanick
Adam Hedman
Joshua Wheatley
Jessica Gray
Jennifer McGill