July 2025 Reg CC Funds Availability Updates

Effective July 1, 2025, changes to Regulation CC (Reg CC) will go into effect as part of the federally mandated inflation adjustments to funds availability thresholds. These updates are issued by the Consumer Financial Protection Bureau (CFPB) and the Federal Reserve Board and are designed to ensure timely access to deposited funds for credit union members.

Why This Matters

Reg CC exists to speed up the check-clearing process and ensure you have prompt access to your money. It sets clear guidelines for when your deposited funds—whether by check, cash, or electronic transfer—must be available for withdrawal.

Beginning July 1, 2025, here’s what you need to know about how these updates impact you:

New Thresholds Effective July 1, 2025

• • Minimum Amount from Deposit: $275

  • Cash Withdrawal Amount: $275 / $550

  • New Account Amount: $6,725

  • Large-Deposit Threshold: $6,725

  • Repeatedly Overdrawn Threshold: $6,725

Why Did This Change?

This change is part of a regular inflation adjustment required by the Expedited Funds Availability Act, approved in 2020. According to this act, the Federal Reserve and the CFPB review and adjust these thresholds every five years.

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July 1, 2020 NOTICE
Volt Credit Union is part of the National Credit Union Administration and thereby adheres to policies and regulations set forth by the Federal Reserve and the Consumer Financial Protection Bureau (CFPB).

The Federal Reserve and CFPB in late June finalized amendments to Regulation CC to implement a statutory adjustment to adjust the dollar amounts under the Expedited Funds Availability (EFA) Act for inflation. The final rule is effective as of July 1, 2020.

The dollar amounts will be adjusted every five years beginning July 1, 2020. The next adjustment of the dollar amounts will occur On July 1, 2025, and on July 1 of every fifth year after 2025.

The adjustments to the thresholds include:

• The minimum amount of deposited funds that credit unions must make available for withdrawal by the opening of business on the next day for certain check deposits is $250 (up from the current $200);
• The amount a credit union must make available when using the EFA Act’s permissive adjustment to the funds-availability rules for withdrawals by cash $450 (up from the current $400);
• The amount of funds deposited by certain checks in a new account that are subject to next-day availability is $5,525 (up from the current ($5,000);
• The threshold for using an exception to the funds-availability schedules if the aggregate amount of checks on any one banking day exceed the threshold amount is $5,525 (up from $5,000);
• the threshold for determining whether an account has been repeatedly overdrawn is now $5,525 (up from the current $5,000).

The adjustment to Regulation CC also adjusted civil liability amounts for failing to comply with the EFA Act’s requirements.

Additionally, the agencies amended Regulation CC to incorporate the Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155) amendments to the EFA Act, which include extending coverage to American Samoa, the Commonwealth of the Northern Mariana Islands, and Guam and certain other technical amendments.

Additional information is available on the NCUA website.

If you have any questions, please contact us at 417.862.0471. We’re here to help you understand how these changes may affect your account.