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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
Use your checking account without having to pull out your checkbook. We also refund ATM fees so you can get cash anywhere, even at other banks’ machines.
Some banks believe that if you want to use their debit card to access your funds or make purchases, you should pay them a monthly fee. Signature Bank disagrees. Your Signature Bank debit card gives you the convenience to shop or access your balance anytime—without monthly debit card fees. With our Instant Issue Debit Cards, there’s no waiting—walk in for your account, walk out with your card. We even refund ATM fees charged by other banks, so you always have free access to your money. What could be more convenient?
Read more about how to protect yourself and your identity by protecting your debit card here.
Please visit online or mobile banking to report your card as lost or stolen.
Select “Menu” > then “Manage Debit Cards” > then select the card in question > then “Report Lost or Stolen Card”.
Once you confirm this Lost / Stolen card request, the card in question will become inactive and can no longer be used. Please contact us or submit a transaction dispute if you see any suspicious activity on your account.
If you think you may have misplaced your card and would like to turn it off temporarily, you may alternatively choose TURN CARD OFF while you search for your card.
If you do not have online or mobile banking, you may contact Customer Service at 877.855.8550 for assistance during regular business hours.
An on-duty manager periodically monitors the Customer Service voicemail box until 8:30 p.m. every night. If you need to speak with a Signature Banker about a Lost or Stolen Card after hours, please call 877.888.8550 and leave a detailed voicemail. A manager will be back in touch with you as soon as they are available.
Now running to the bank branch can be just a distant memory. Manage your accounts online anytime from any web-enabled computer with this free service.
Remember having to run to the nearest bank branch? Well, that can just stay a memory. With our free online banking service, you can manage your accounts from anywhere without having to get in the car, or even get up from your computer! Check your balance, view transactions, pay bills, and more. It’s all at your disposal—not just during business hours but anytime. You don’t have to go to the bank. We bring the bank to you!
Reference our online banking Agreement here.
Reference our Account Authentication and Online Banking Security Guide.
Not Near a Computer?
Our mobile app, Signature2Go, is available on Apple and Android devices.
*You must be at least 18 years of age to access online banking.
With this free service, you can pay anyone in the country directly from your Signature Bank checking account, with just a few clicks of your mouse!
Access your Signature Bank accounts, even when you’re away from your computer. This free service brings your information right to your cell phone!
Signature service goes beyond the bank walls; it goes with you everywhere you go! With Signature2Go mobile banking services, you can access your accounts anywhere, anytime. Get the latest information directly from Signature Bank. Use your smartphone or tablet to access accounts, make transfers, and deposit checks electronically. It’s easy to use and totally free!
Download our Apple or Android Apps below!
With Signature Text Banking, you can quickly receive your account balance, transfer funds between accounts or view limited transaction history from your mobile phone.
In between meetings and need to know whether your check was credited to your account? Don’t worry, we’ve got you covered — our free text banking allows you to check your balance, transfer funds, view recent account activity, and more. All you’ll need is a text-enabled mobile device, and enrollment in Online Banking. Manage your accounts on-the-go, 24/7 — and enjoy the time you’ll save with this easy-to-use service. Give it a try today!
How to activate text banking:
*SUMMARY OF TERMS: By entering your phone number you acknowledge that you agree to the terms of service and are subscribed until you send S to Signature Bank of Arkansas Text Banking, provided by Signature Bank of Arkansas. Signature Bank of Arkansas Text Banking works with: Alltel, AT&T, Boost Mobile, Cincinnati Bell, Sprint PCS, T-Mobile, U.S. Cellular, Virgin Mobile USA, and Verizon Wireless but is not compatible with all handsets. Receive banking account alerts. Receive 1 message per query. Msg & Data rates may apply. I confirm that I hold the account corresponding to the mobile phone number I have entered, or that I have the account holder’s permission to use this service. For help, send HELP to 226563(BANKME). To cancel, text STOP to 226563 at any time. For support, visit info@signature.bank or call 877-888-8550.
Need to Make a Deposit? There’s an app for that. Make a deposit from the palm of your hand.
What could be more convenient than depositing a check anywhere, anytime, with the use of your smartphone? Mobile Deposit is a feature in our app that lets you photograph and deposit your check with a simple “Tap. Tap. Send.”
Get started now:
Key Points to Remember
If you have any questions regarding Mobile Deposit, then please feel free to contact Customer Service at (479)684-3700 or 1-877-888-8550. The Customer Service department is available Monday through Friday from 7:30 AM until 6:00 PM, regular business hours.
How to Deposit a Check
With this free service, you can pay anyone in the country directly from your Signature Bank checking account.
Don’t let a simple oversight or math error result in denied purchases or bounced checks. We offer three overdraft options to ensure your accounts are protected.
A simple oversight in spending can leave you with less money in your account than you realized, causing issues at the register. As a bank, we promote good account management, but we also understand the unexpected can happen. For this reason, we offer services such as Account Link, lines of credit, and Overdraft Privilege to help protect your account from overdrafts.
If you have Overdraft Privilege we may pay overdraft items presented against your account up to the overdraft limit assigned. An insufficient funds item may be created by check, in-person withdrawal, ATM withdrawal or debit card transaction (if you chose to opt in to this service), or other electronic means. Any insufficient funds fees charged, as well as the amount of the overdraft item(s), will be subtracted from the Overdraft Privilege limit assigned to your account. Read the full disclosure here.
*Free Checking Accounts will be eligible for overdraft protection after 60 days.
Link your checking account to another Signature Bank account and we’ll automatically transfer funds to cover any overages on your checking. This option is a more affordable alternative to our Overdraft Privilege service.
Take control of your finances with our financial management software. Use this free service to manage all your accounts, even those at other institutions.
Take control of your finances! Our free, easy to use software gives you a bird’s eye view of your accounts so you can see your entire financial picture. Access your information anywhere, anytime. Your personal dashboard is all online, with no software downloads or setup required. See your assets, liabilities, and net worth in one easy-to-use service. Monitor your spending behaviors, set goals and track your progress, set reminders for bill payments, categorize your expenses, and more!
Access your accounts from any touchtone phone. Our 24-hour InfoLine gives you real-time information so you can stay on top of your balance.
Whether it’s a cell or landline, phones are the easiest way to stay connected, and that includes your bank! Call our toll-free InfoLine anytime from any touchtone phone to check your balance, review recent transactions, and more. It’s available 24 hours a day, 7 days a week, and it’s totally free. Your Signature accounts are always just a phone call away.
Call the InfoLine at 1 (877) 888-8511 to access your accounts.
Go green and help cut down on paper waste while also protecting your account information with paperless eStatements. Available FREE through online banking.
At Signature Bank of Arkansas, we work hard to take care of the earth as best we can. That’s why we offer free paperless statements to all account holders. Sign up for eStatements, and you’ll receive information online instead of by mail. They’re accessible anytime, protect your privacy better, and will save a few trees in the process!
Ready to sign up? There are two methods for turning on eStatements.
>To enroll only one account in eStatements, login to online banking and select the account you’d like to set up with eStatements. Choose “Account Services” (or just “Services” on mobile devices) and select “Statements.” You should see a popup for Terms and Conditions.
>To enroll multiple accounts in eStatements, login to online banking and choose “Documents” from the Menu. Under Document Types, select “Statements.” Under Select Accounts, select all accounts you’d like to turn on eStatements for. Once you’ve clicked “Apply,” you should see a popup for Terms and Conditions.
eStatements are provided in PDF format. We’ll need to confirm your device is capable of displaying the document. Click the highlighted bar reading “View Test Document” to download a sample PDF. Please check your status bar or downloads folder if you have issues finding the Test Document.
Once you have opened and read the Test Document, you may agree to the Terms and Conditions. Accepting the Terms and Conditions means you acknowledge your device is capable of displaying the PDF document. Please do not accept the terms and conditions if you are unable to see the PDF test document.
Don’t fall victim to identity theft. Protect, Detect and Restore your identity with Mastercard’s ID Theft Protection.
Mastercard ID Theft Protection (IDT) provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft. This product offering will alert you about possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your registered personal information in order to detect fraud at its inception.
Protect
Defend your personal information and secure your digital privacy.
Detect
Track your identity risk level and detect potential fraud early.
Alert
See suspicious activity and take action immediately.
Resolve
Repair problems quickly with the help of the experts at Mastercard.
This service is available to all Signature Bank Mastercard holders at no additional charge.
If you have any issues, questions, or concerns regarding fraud, security, identity theft, or an unfamiliar credit alert call 1-866-825-4605 to speak with a licensed private investigator.
Ready to sign up or want to find out more about Identity Protection?