Regulation CC Funds Availability — Get the First Slice of a Check Deposit Faster
What Is It?
Regulation CC governs how quickly banks must make certain check deposits available. It does not eliminate holds entirely, but it stops banks from treating every check as an indefinite freeze.
What Most People Don’t Know
- The first chunk of many check deposits must become available quickly.
- The dollar thresholds are inflation-adjusted, so old articles can be outdated.
- Large deposits, new accounts, and certain exception holds follow different rules.
As of July 1, 2025, the minimum next-day availability amount is $275.
Frequently Asked Questions
Does the bank have to release any amount before the entire check clears?
A: Often yes. Regulation CC includes a minimum amount that must be made available next business day for certain check deposits.
Are the dollar thresholds fixed forever?
A: No. CFPB and the Federal Reserve adjust Regulation CC thresholds for inflation every five years.