Important Updates to Funds Availability and Check Collection Rules

To ensure continued compliance with federal banking regulations, SRI Federal Credit Union would like to inform our members of upcoming changes to Regulation CC, the rule that governs the availability of funds and the collection of checks. These changes, mandated by the Federal Reserve Board and the Consumer Financial Protection Bureau (CFPB),  effective as of July 1, 2025. 

As part of the regularly scheduled inflation adjustments required by law, several dollar amount thresholds are increasing. These updates may affect when and how much of your deposited funds become available, especially for larger deposits or new accounts.

What’s Changing?

Effective as of 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 portion of a deposit that must be made available by the next business day.)

• Cash Withdrawal Amount:
  Increasing from $450 to $550
  (This is the amount available for cash withdrawal from certain check deposits.)

• Special Rule Thresholds for new accounts, large deposits, and repeated overdrafts:

  • 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

Need Help or Have Questions?

We’re here for you. If you have any questions about how these updates to Regulation CC may impact your deposits or account activity, please contact us at 1-650-800-5434 or visit your nearest SRI Federal Credit Union branch.

Thank you for being a valued member of SRI Federal Credit Union.