IMPORTANT CHANGES TO THE AVAILABILITY OF FUNDS

In accordance with 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.  The key changes are that some funds will be available sooner than before. The first $275 (previously $225) of a check deposit will generally be available no later than the first business day after the day of deposit.  The threshold for large check deposits subject to extended holds has increased to $6,725 (previously $5,525). 

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 certain circumstances. For example, we believe a check you deposited will not be paid or you deposit checks totaling more than $6,725 on any one day. The hold may be longer if you redeposit a check that has been returned unpaid or if you have overdrawn your account repeatedly in the last six months. Funds may also be delayed in availability if there is an emergency, such as failure of computer or communications equipment.