Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Based on Reg CC rules (12 CFR 229), however, we reserve the right to follow these funds availability thresholds, which were increased for inflation effective July 1, 2025:
• Any deposit: The first $275 will be available the next business day. The rest will be available on the second business day.
• Cash withdrawals from deposits: You can withdraw up to $550 in cash on the same business day as your deposit.
• New Account Hold (account open for 30 days or less): the first $6,725 of a low-risk check deposited will be available the next business day, and the remaining check amount over $6,725 will be available by the ninth business day.
• Large Check Hold: the first $275 of a large check deposited will be available the next business day, $6,450 will be available on the second business day, and the remaining check amount over $6,725 will be available by the seventh business day.
Please note: If we delay availability on a deposit, we will provide a written notice of delayed availability to you promptly.