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Reg CC Deposit Availability Checklist

Deposit availability decisions can get complicated quickly. This free Reg CC Deposit Availability Checklist gives banking professionals a simple, practical framework for working through the key facts of a deposit before determining availability.

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Know it. Apply it. Get it.

INSIDE THE RESOURCE

Know what you’re getting.

Start with the deposit. Understand the availability question.

  • 01

    Account status — established account, new account, and account history

  • 02

    Deposit type — government, cashier’s/teller’s/certified, regular checks, and electronic deposits

  • 03

    Amount — including large-deposit considerations

  • 04

    Deposit method — branch, ATM/mobile, ACH, or remote deposit

  • 05

    Timing — cutoff times and new-account considerations

  • 06

    Exceptions — including large deposits, repeated overdrafts, reasonable-cause situations, and other applicable exceptions

Read the complete resource overview

Work the facts. Apply the rules.

Deposit availability decisions can get complicated quickly. This free Reg CC Deposit Availability Checklist gives banking professionals a simple, practical framework for working through the key facts of a deposit before determining availability.

Use the checklist to review:

  • Account status — established account, new account, and account history
  • Deposit type — government, cashier’s/teller’s/certified, regular checks, and electronic deposits
  • Amount — including large-deposit considerations
  • Deposit method — branch, ATM/mobile, ACH, or remote deposit
  • Timing — cutoff times and new-account considerations
  • Exceptions — including large deposits, repeated overdrafts, reasonable-cause situations, and other applicable exceptions
  • Notice requirements — a reminder to communicate and document the decision appropriately

The checklist also includes a Typical Availability Guidelines quick-reference section and reminders to check applicable exceptions before determining availability.

Who It’s For

Designed for banking professionals who work with deposits, holds, and funds availability, including:

Tellers • Universal Bankers • Personal Bankers • Branch Managers • Operations Staff • Banking Trainers

What You Get

1-page PDF Reg CC Deposit Availability Checklist

Keep it available as a quick-reference job aid, use it during training, or use the questions as a framework when reviewing deposit availability situations.

Free download.

Important: This resource is provided for general educational and training purposes. Availability requirements can depend on the specific facts, applicable regulations, and your institution's policies and procedures. Always follow current regulatory requirements and your institution's approved procedures and seek appropriate compliance/legal guidance when necessary.

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Use this resource as an educational supplement. Your institution’s approved policies, procedures, and required training govern actual work.

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