We would like to inform our customers about the upcoming changes to Regulation CC thresholds that will take effect on July 1, 2025. These changes are important and may impact your banking activities. Below is a summary of the key adjustments if a hold is placed on a check being deposited into your account:

Section

Description

Current Threshold
(as of 7/1/20)

New Threshold
(effective 7/1/25)

12 CFR 229.10(c)(1)(vii)

Minimum Amount

$225

$275

12 CFR 229.12(d)

Cash Withdrawal Amount

$450

$550

12 CFR 229.13(a)(1)(ii)

New-Account Amount

$5,525

$6,725

12 CFR 229.13(b)

Large-Deposit Threshold

$5,525

$6,725

12 CFR 229.13(d)(2)

Repeatedly Overdrawn Threshold

$5,525

$6,725

12 CFR 229.21(a)(2)(i)

Civil Liability (Individual Action)

$100–$1,100

$125–$1,350

12 CFR 229.21(a)(2)(ii)(B)

Civil Liability (Class Action Max)

$552,500

$672,950

These changes are designed to better reflect the current economic environment and ensure that the thresholds remain effective and fair. We encourage our customers to review these changes and consider how they may impact your banking activities. If you have any questions or need further assistance, please do not hesitate to contact our customer service team.

Thank you for your attention to these important updates. We are committed to providing you with the best banking experience and keeping you informed about any changes that may affect you.