To ensure continued compliance with federal banking regulations, the rule governing Funds Availability, Regulation CC, has been updated to reflect the following changes that went into effect on July 1, 2025. As part of its regular inflation adjustments required under the regulation, several dollar amount thresholds have increased.
What’s Changing?
Effective July 1, 2025, the following updates to Regulation CC will take place:
- Minimum Availability Amount increases from $225 to $275 (applies to the amount of a deposit that must be made available by the next business day.)
- Cash Withdrawal Amount increase from $450 to $550 (applies to the amount available for cash withdrawal from certain deposits.)
- Special Rule Thresholds for New Accounts and Large Deposits increase from $5,525 to $6,725 (applies to new accounts, large deposits, and other next-day item limits).