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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.
In honor of Independence Day, we will be closed on Friday, July 4.
We will be open with regular service hours on Thursday, July 3.
En honor al día de la independencia de los Estados Unidos, permaneceremos cerrados el martes, 5 de viernes.
Estaremos de vuelta con nuestro horario regular el día míercoles, 3 de julio.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Every new business checking account includes the following complementary products or services:
✔ Signature Business Debit Mastercard
✔ Digital Banking and Unlimited Bill Pay
✔ Telephone banking
✔ Mobile Deposit with your Smartphone
✔ Paper or eStatements
✔ ATM Fee Refunds Nationwide
✔ Signature FinancialVue online management
✔ Cash management services available
Need help determining which of our accounts is best for you?
Try out the educated search feature on our homepage! Just type “checking” into the “How can we help you today?” bar and the questions will guide you to the right account to get the most bang for your buck.
Business is about meeting people’s needs. This account can help meet the needs of the person behind the business while helping your business grow.
Every business is about people. They’re created to serve people, managed by people, and people work there. That’s why we never view our business clients as businesses. It’s always personal—and we think that’s how it should be.
This account is ideal for smaller businesses and organizations that have a lower transaction volume. Get up to 500 items free each month, free online banking, and more. All at no cost to you! That way you can invest that money back into your business.
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As your business grows, get a checking account that can handle the workload, with no limitations, affordable transaction fees, and an earnings credit to offset them.
Give your business all the checking power it needs to continue to grow. This account was designed for businesses with moderate to high levels of transaction activity.
Write all the checks and make all the deposits you need. Our affordable transaction fees keep the cost low, and your monthly earnings credit can reduce or eliminate those fees. Plus, take advantage of our cash management services to make sure every dollar is working as hard as you are.
You’re in business to make money, and this account can help. You’ll earn interest on your balance with affordable monthly fees based on account use.
You’re in business to make money, and we’re here to help. This account earns interest on your balance while still giving you easy access to funds.
Available to non-profits, sole proprietors, and government organizations, our Business Interest Checking account offers a monthly analysis to determine fees. And, the tiered rate structure means your rate of return may improve as your balance grows.
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* Additional fees may be charged for cash management services.