Updates to Check Deposit Rules

Important Updates to Check Deposit Rules Coming July 1, 2025

Big changes are coming to how your check deposits are handled—and they’re designed to benefit you. Starting July 1, 2025, updates to Regulation CC will make more of your money available faster, raise cash withdrawal limits, and increase the thresholds used for delayed check holds and overdraft reviews. These updates also make it easier to receive notices electronically, so you can stay informed in real time. Read on to see how these changes can help you access your funds more quickly and conveniently.

Faster Access to Your Money

Same-Day Availability Increase

• The amount of check deposits available by the next business day is increasing:
  From $225 → $300

Higher Cash Withdrawal Limit

• The portion of deposited funds available for next-day cash withdrawal is also increasing:
  From $450 → $500

Exception Hold Threshold Raised

Delayed Availability for Large Deposits

• For deposits subject to exception holds (e.g., large checks, new accounts, or repeat overdrafts):
  Threshold increases from $5,525 → $6,725

Overdraft Accounts – New Threshold

• Old Rule: Extended holds applied if overdrafts exceeded $5,525 in the past six months
• New Rule: Now applies if overdrafts exceeded $6,725

Inflation-Based Adjustments

• All thresholds will be reviewed and adjusted every 5 years to keep pace with inflation—ensuring your access to funds stays in line with the economy. 

Easier Access to Notifications

• With your consent, credit unions can now send electronic notices for check holds and funds availability—making it quicker and easier to stay informed.

Summary of Benefits for Members

• More funds available sooner after deposits
• Higher withdrawal limits
• Updated overdraft hold threshold
• Convenient e-disclosures via mobile or email