Details of Our Funds Availability Schedule
Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit.
In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of the deposit.
Longer delays may apply when we will not make all of the funds that you deposit by check available to you on the times shown above. Depending on the type of check that you deposit, funds may not be available until the seventh business day after the day of your deposit. If we are not going to make all of the funds from your deposit available at the time shown above, we will notify you at the time you make your deposit.
A new account is considered new for the first 30 days.
For further information, please ask to receive a copy of the Regulation CC Funds Availability Policy Disclosure.
New Deposit Thresholds Effective July 1, 2025
Regulation CC is a federal rule that dictates how quickly deposited funds must be made available for withdrawal. Beginning July 1, 2025, the below are updated thresholds within Reg CC that will change how much of a deposit is immediately accessible.
- Minimum Amount Available Next Business Day
The amount of a check deposit that must be available on the next business day increases from $225 to $275.
- New Account Threshold
The threshold for when a new account is subject to extended holds on deposits decreases from $5,525 to $6,725.
- Large Deposit Threshold
The threshold for when a deposit can be subject to extended holds increases from $5,525 to $6,725.
Please let us know if you have any questions.
