Reg CC Funds Availability Chart: Guide for Federals

When you deposit a check, you probably expect the money to show up in your account quickly. But that’s not always the case, and that’s where Regulation CC (Reg CC) comes in. This federal regulation, issued by the Federal Reserve, governs how and when deposited funds must be made available to customers.

One of the most helpful tools to make sense of it? The Reg CC Funds Availability Chart.

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Download it now using the form below."

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Detailed Breakdown of Availability Timelines

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Regulation CC provides guidelines for banks to follow when determining how long they can hold deposited funds before making them available for withdrawal. The Reg CC Funds Availability chart below outlines the typical availability timeframes for different types of deposits:

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Understanding Reg CC: Details and Exceptions

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While the Reg CC Funds Availability Chart outlines standard timelines for when deposited funds become accessible, it’s important to understand the rules in detail, especially the exceptions that may affect availability.

Regulation CC, established under the Expedited Funds Availability Act, mandates how quickly banks must make deposited funds available to customers. These rules promote transparency and help ensure timely access to funds, particularly for check deposits.

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Funds Typically Covered Under Reg CC

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The regulation applies to a variety of deposit types, including:

• Cash deposits made directly to a bank employee
  
  
• U.S. Treasury checks
  
  
• U.S. Postal Service money orders
  
  
• Federal Reserve and Federal Home Loan Bank checks
  
  
• State or local government checks
  
  
• Cashier’s, certified, or teller’s checks
  
  
• Electronic payments (ACH and wire transfers)
  
  
• Personal and business checks
  
  

Most of these deposits are required to be available within one business day, while standard checks may take up to two.

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When Are Holds Longer? Key Exceptions Explained

Banks may place extended holds on deposits under specific circumstances permitted by Reg CC. These include:

• Large Deposits: When the total of deposited checks exceeds $5,525 in one business day. The first $5,525 follows standard availability rules, but the remainder may be held for up to five additional business days.
  
  
• Redeposited Checks: If a check is returned unpaid and then redeposited, banks may delay availability until funds are verified.
  
  
• Repeated Overdrafts: Accounts with a history of frequent overdrafts (e.g., six or more in the past six months) may be subject to longer holds.
  
  
• Reasonable Doubt of Collectibility: If a bank suspects a check may not clear, for example, due to altered information or apparent fraud, it can delay availability.
  
  
• Emergency Conditions: Natural disasters, power outages, or other disruptions that impair normal banking operations can also justify delayed availability.
  
  

Important Note on Availability

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Even in extended hold cases, banks are generally required to make at least the first $225 of any check deposit available by the next business day. Additionally, timing can depend on the bank’s cutoff hour for processing deposits—deposits made after this time may be considered as received on the following business day.

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Important Factors That Affect Availability

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• Account Age: New accounts (less than 30 days old) may have more extended hold periods for certain deposits, especially large checks or those deposited from out-of-state.
  
  
• Suspicion of Fraud: If a bank suspects fraud, it can hold deposits for longer than the typical timeline. Customers will be notified if this happens.
  
  
• Bank-Specific Policies: Banks may choose to release funds faster than the minimum required by Regulation CC, so it’s always worth checking with your bank to understand their specific policies.
  
  
• Deposit Amounts: Larger deposits (over $5,525) are subject to extended hold periods due to concerns about check verification. The funds will be released in stages.
  
  
• ATM Deposits: Availability for ATM deposits may vary, as some ATMs have restrictions, particularly those outside the bank's immediate branch network.

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Why It Matters

The Reg CC Funds Availability Chart is a guideline set forth by Regulation CC, a U.S. federal law governing the availability of deposited funds in consumer bank accounts. It outlines the maximum time a bank can hold different types of deposits before they must be made available for withdrawal. This helps consumers understand when they can access their funds after depositing.

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Understanding the Reg CC chart can help you:

• Avoid overdraft fees by knowing when funds are available
  
  
• Plan for large transactions and bill payments.
  
  
• Stay informed about your bank’s policies and your rights as a depositor.

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Final Thoughts

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Understanding the Reg CC Funds Availability Chart isn’t just about knowing when your money will be ready—it’s about planning better, avoiding surprises, and managing your finances more confidently. Whether you're depositing a paycheck, a government check, or handling larger transactions, being aware of the conditions and exceptions in Reg CC can help you make informed banking decisions.

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If you're a federal employee or retiree navigating deposits, pensions, or planning your financial future, you deserve clarity and expert support. 

Federal Pension Advisors is here to help you make the most of your federal benefits with wealth strategies and retirement planning.

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