Funds Availability Update 2025

In accordance with 12 CFR 229, Availability of Funds and Collection of Checks (Regulation CC), we are updating our Funds Availability Policy effective July 1, 2025. These changes impact when deposited funds will be available for withdrawal – increasing the amount made available to you for certain items presented for deposit.

Key Changes to Funds Availability

• The first $275 (previously $225) of a check deposit will generally be available on the same business day as the day of your deposit.
• The threshold for large check deposits subject to extended holds is increased to $6,725 (previously $5,525).
• For new accounts, the amount of deposits available within the first business day has increased to $6,725 (previously $5,525).

These updates align with adjustments mandated by Regulation CC. Our general policy remains the same – most deposits will continue to be available on the day of deposit. However, certain check deposits may be delayed for a longer period under the following circumstances:

• We believe a check you deposited will not be paid;
• You deposit checks totaling more than $6,725 on any one day;
• You redeposit a check that has been returned unpaid;
• You have overdrawn your account repeatedly in the last six months; or
• There is an emergency, such as failure of computer or communications equipment.

By continuing to use your CFCU account and deposit services on or after July 1, 2025, you agree to these amended terms.

For more details, please review our Funds Availability Policy here.

You may read the entire Terms and Conditions of your account here.

Please contact us if you have any questions.