Regulation CC Funds Availability Schedule | 2026 Quick Reference Guide

Need a faster way to understand Regulation CC funds availability requirements?The Jay Get It Regulation CC Funds Availability Schedule is a one-page quick-reference guide designed to help banking professionals quickly identify when deposited funds are generally required to become available under federal Regulation CC.Instead of digging through lengthy regulations or complicated policy documents, this guide organizes key information into an easy-to-scan Deposit Type → Requirements → When Available format.Inside the Guide Cash deposit availability Electronic payment availability U.S. Treasury checks U.S. Postal Service money orders Federal Reserve and Federal Home Loan Bank checks State and local government checks Cashier’s, certified, and teller’s checks On-us checks Standard check availability Nonproprietary ATM deposits Exception hold reminders New-account considerations Banking-day and cutoff-time reminders Current $275, $550, and $6,725 Regulation CC thresholds Great ForBank tellers, personal bankers, branch managers, credit union employees, new-hire training, banking trainers, and anyone studying Regulation CC.Updated for Current Regulation CC ThresholdsThe guide reflects federal threshold adjustments effective July 1, 2025, including the $275 next-day amount and $6,725 large-deposit/new-account threshold.Format: 1-page downloadable PDFBrand: Jay Get ItTopic: Regulation CC / Funds Availability / Check HoldsImportant: This resource is designed for educational and training purposes and is not legal advice. Financial institutions may provide faster availability and may have institution-specific policies and procedures. Always follow your institution’s current funds-availability disclosures and procedures.Jay Get It — Turning Understanding Into Power.