Important Funds Availability Policy Changes Effective July 1, 2025

Important Regulation CC (Availability of Funds and Collection of Checks) Changes Effective July 1, 2025 

In accordance with 12 CFR 229, Availability of Funds and Collection of Checks (Regulation CC), we are updating our Funds Availability Policy effective July 1, 2025. These changes impact when deposited funds will be available for withdrawal – increasing the amount made available to you for certain items presented for deposit.

Key Changes to Funds Availability

  • The first $275 (previously $225) of a check deposit will generally be available no later than the first business day after the day of deposit.
  • The threshold for large check deposits subject to extended holds has increased to $6,725 (previously $5,525).
  • For new accounts, the amount of deposits available made by cashier’s, certified, teller’s, traveler’s, and federal, state, and local government checks by the first business day has increased to $6,725 (previously $5,525). See our Funds Availability Disclosure for special rules for new accounts.

These updates align with adjustments mandated by Regulation CC. Our general policy remains the same—most deposits will continue to be available on the first business day after of deposit. However, certain check deposits may be delayed for a longer period under the following circumstances:

  • We believe a check you deposited will not be paid
  • You deposit checks totaling more than $6,725 on any one (1) day
  • You redeposit a check that has been returned unpaid
  • You have overdrawn your account repeatedly in the last six (6) months
  • There is an emergency, such as failure of computer or communications equipment.

 

For more details, you can read our full Membership Account Agreement.

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