To maintain compliance with federal banking regulations, Barwick Banking Company will be updating our Funds Availability Policy to comply with changes to Regulation CC – the rule governing the availability of funds and collection of checks – that go into effect on July 1, 2025.
As part of the regular inflation adjustments required under the law, several dollar amount thresholds are being increased. These adjustments may impact when and how much of your deposited funds become available, particularly for larger deposits or new accounts.
What’s Changing?
Effective 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 amount of a deposit that must be made available by the next business day.) - Cash Withdrawal Amount:
Increasing from $450 to $550
(Applies to the amount available for cash withdrawal from certain deposits.) - Special Rule Thresholds for New Accounts and Large Deposits:
- 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 to help!
If you have any questions about how Regulation CC impacts your deposits or account activity, please contact us at 1-888-471-2006 or visit your local branch for information.