Notification of Change to Funds Availability Policy
Effective July 1, 2025, we are updating our Funds Availability Policy in accordance with federal regulations (Regulation CC). These changes reflect inflation-adjusted thresholds and may affect when deposited funds are available for withdrawal.
What’s Changing?
Increased Next-Day Availability
The minimum amount available on the first business day after the day we receive the deposit for certain check deposits will increase from $225 to $275.
Threshold for extended Holds
The threshold for extended Holds on check deposits will increase from $5,525 to $6,725. Longer delays may apply if you deposit checks totaling more than $6,725 in a single day. In such cases, funds exceeding this amount may be subject to delayed availability under our standard hold procedures.
No Action Required
These changes are designed to improve access to your funds and reflect current economic conditions. You do not have to take any action. These updates will automatically go into effect on July 1, 2025.