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
Whether you’re a sole proprietor looking for basic business tools, or an office manager seeking streamlined treasury services, we’ve compiled the tools and services to make daily financial tasks easier and more convenient.
Services for all businesses include:
We offer two avenues for payment protection through Positive Pay. First, we provide the ability to electronically match checks you issue with the checks that are presented. You also have the added feature of being able to make daily payment decisions.
Second, we provide fully customizable ACH Filtering, which allows you to cast a net over all incoming and outgoing ACH transactions. Any ACH sent or received on your account must pass through this net, and you have the power to determine what the net will catch and what will pass through. When an item is caught by your net, you have the power to control what happens next.
Time is of the essence and, with Signature’s Desktop Deposits via Remote Deposit Capture (RDC), you will be able to deposit checks from any location with a high-speed internet connection. Best of all? We provide the device at no cost to you.
Use your web browser or mobile device to access your accounts online with our digital banking tools. Now your accounts are always nearby, no matter where you are.
Services designed to keep sole proprietors and small operations focused on their products and services:
Keeping track of your company’s financial affairs is vitally important to managing your business more efficiently. Online Banking provides you with fast, accurate, and timely information. Using advanced technologies, we can deliver the most complete reporting available and give you the ability to tailor information to your specific requirements.
Our robust, information reporting, account inquiry, and transaction origination services are all integrated into a single system. These services are modular in design, which provides you with flexibility now and in the future if your needs change.
Features include:
Get Started with Small Business Services
Services designed for entities with a suite of employees, and office managers seeking solutions for payroll and other online efficiencies.
Keeping track of your company’s financial affairs is vitally important to managing your business more efficiently. Online Banking provides you with fast, accurate, and timely information. Using advanced technologies, we can deliver the most complete reporting available and give you the ability to tailor information to your specific requirements.
Our robust, information reporting, account inquiry, and transaction origination services are all integrated into a single system. These services are modular in design, which provides you with flexibility now and in the future if your needs change.
Features include:
Signature Bank of Arkansas offers a variety of electronic payment initiation options. Initiate a variety of ACH transactions through our Online Banking. We also accept NACHA formatted files without the need for conversion for domestic payments.
Initiate a wire transfer through any of the following methods:
Incoming mail is processed by our staff to ensure timely deposit and reporting. Images of remittances are available each day to your staff for further posting.
Automatic daily transfers to and from your line of credit, money market account, or both, ensures that your funds are maximizing their benefit to your company.