The Federal Reserve and Consumer Financial Protection Bureau today announced they had jointly adjusted for inflation dollar amounts relating to the availability of customer funds, with the adjustments taking effect July 1, 2025. The changes in Regulation CC include the minimum amount of deposited funds that banks must make available for withdrawal by opening of business on the next day for certain check deposits. They also include the amount of funds deposited by certain checks in a new account that are subject to next-day availability. The agencies are required to adjust the dollar thresholds every five years.
The new thresholds are:
- Minimum amount: $275
- Cash withdrawal amount: $550
- New account amount: $6,725
- Large-deposit threshold: $6,725
- Repeatedly overdrawn threshold: $6,725
- Civil liability minimum and maximum for individual action: $125/$1,350
- Civil liability maximum for class action: $672,950