Reg CC Update text on top of blue rectangle over a blue overlay image of books, a gavel, and scale.

Dear Members,

 

Effective July 1, 2025, HRCU updated our Funds Availability Policy in accordance with 12 CFR 229, Availability of Funds and Collection of Checks (Regulation CC), which governs the availability of funds and check processing timelines.

These changes were mandated by the Federal Reserve Board and the Consumer Financial Protection Bureau (CFPB) – driven by inflation adjustments and designed to better reflect current economic conditions.

 

What Changed? text on top of blue overlay image of book stack in library.

The following increases apply to the minimum amounts of deposited funds that must be made available for withdrawal:

    • Minimum Availability Amount
      First portion of a check deposit available on the next business day of deposit. Remainder available on second business day after the day of your deposit.

Increasing from $225 to $275

    • Special Rule Thresholds
      Applies to new accounts, large deposits, and repeated overdrafts.

New Account Threshold: Increasing from $5,525 to $6,725
Large Deposit Threshold: Increasing from $5,525 to $6,725
Repeated Overdraft Threshold: Increasing from $5,525 to $6,725

 

Why does it matter? text on blue overlay image with book stack on table in library.

These changes impact how financial institutions manage funds availability, hold policies, and member disclosures. HRCU has updated related policies, systems, and procedures accordingly.

 

If you have any questions , please contact us at 570.622.3399.


Sincerely,
Your HRCU Team