To ensure continued compliance with federal banking regulations, we want to inform our members of upcoming changes to Regulation CC — the rule 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.

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