Important Updates to Funds Availability and Check Collection Rules
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:
- Minimum Availability Amount (formerly the “$100 Rule”):
Increasing from $225 to $275
(This is the amount of a deposit that must be made available by the next business day.) - Cash Withdrawal Amount:
Increasing from $450 to $550
(Applies to the amount available for cash withdrawal from certain deposits.) - Special Rule Thresholds for New Accounts and Large Deposits:
- New Account Threshold: from $5,525 to $6,725
- Large Deposit Threshold: from $5,525 to $6,725
- Repeated Overdraft Threshold: from $5,525 to $6,725
Need Help or Have Questions?
Our team is here to help. If you have any questions about how Regulation CC impacts your deposits or account activity, please contact us at 1-800-375-3674.
Thank you for being a valued member of Resource One Credit Union.
