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.
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A local campaign to encourage our local community to -you guessed it! Shop Small this Holiday Season, Yall!
How does it work?
Purchase your Shop Small Y’all gift card at any Signature Bank location.
Get 10% off between 11/01/2023 – 12/31/2023 when you use your Shop Small Y’all gift card at participating small businesses.
Are you ready to save more while supporting NWA’s small businesses? Shop with our 2023 Participating Retailers:
FAYETTEVILLE
BAE Skin and Beauty
(10% off plus free brow wax + tint!)
BEE Organized Northwest Arkansas
($100 off services with a 3 hour minimum)
Cheers at the OPO
Darcy Apparel
Diamond Center Jewelers
(Only excluding loose, natural Earth-grown diamonds)
Ella’s Table
(15% off food! Alcohol excluded)
Los Compas
(Save 10% on the Family Meal)
Mertins Eye & Optical
Massimo Interiors
Masons
Maude
Pearl’s Books
Rejuvenated Medical Spa
(offering 15% off Skinmedica, Elta MD, Rejuvenated, Glo, & Elemis)
Shindig
Tula
SPRINGDALE
Bella’s Gifts
Sugar Apple Baking Co
Romero’s Cuisine Toque Latino
(save 10% on any meal!)
Supreme Barbershop & Studio
(save 10% on all haircuts and hair color)
Zelli Pasta
ROGERS
Aesthetics Nova
(save 10% on a brow microblading)
Envision Nutrition
Erik’s Photography
(save 10% on a regular photo session)
Havana Tropical Grill
El Jícaro
The Little Candle of NWA
Loma
Los Compas
(Save 10% on the Family Meal)
PTriage Physical Therapy
Tropical Nails & Spa
(save 10% on pedicures)
BENTONVILLE
Amy Keever Gallery
Cocoon Yoga Lab
Crystal Bridges Gift Shop
The Momentary Gift Shop
Remedy Road
CENTERTON
Centerton Food Truck Park
Didn’t see your favorite local shop? Send them our information!
https://shopsmallyallnwa.com/
WHAT: Receive 10% off purchases from participating local merchants by presenting your Shop Small Y’all Gift Card
WHEN: November 1 through New Year’s Eve (11/01/2023 – 12/31/2023)
WHERE: Purchase* your Shop Small Y’all Gift Card at your most convenient Signature Bank Location: Fayetteville, Springdale, Rogers, or Bentonville
WHY: Shopping small creates and supports local jobs. Each time you purchase a product or service from a locally-owned business, you are helping to pay the salary of a friend or neighbor.
HOW: Present your Shop Small Y’all Gift Card to any participating retailer. Don’t worry if you found too many good deals at your first store and spent your entire balance, our merchants will honor the 10% discount if you show the card through 12/31/2023!
*Non-customers of Signature Bank must purchase gift cards with cash.
Please click here for bank hours.