Important Updates to Funds Availability and Check Collection Rules: Regulation CC

To ensure continued compliance with federal banking regulations, we want to inform our members of upcoming changes to Regulation CC — the rule governing the availability of funds and collection of checks. These changes, mandated by the Federal Reserve Board and the Consumer Financial Protection Bureau (CFPB), will go into effect July 1, 2025.

As part of the regular inflation adjustments required under the law, several dollar amount thresholds are being increased. These adjustments may impact when and how much of your deposited funds become available, particularly for larger deposits or new accounts.

What’s Changing?

Effective July 1, 2025, the following updates to Regulation CC will take place:

• Next Day Availability
  • $275 Available the next business day      
    (This is the amount of a deposit that must be made available by the next business day.)
  • Certain checks i.e local government checks, Federal Home Loan Checks, Cashier’s checks, Certified checks, Teller and Travelers Checks
• Second Day Availability
  • Up to $6,725.00
• Special Rule Thresholds for New Accounts and Large Deposits:
  • New Account Threshold: amounts greater than $6,725
  • Large Deposit Threshold: amounts greater than $6,725