Regulation CC doesn’t have to mean digging through pages of regulations every time you have a funds-availability question.The Regulation CC Funds Availability & Hold Quick Reference | 2026 Job Aid brings the key information frontline banking professionals need into one easy-to-use visual reference.Designed as a single-page professional desk reference, this guide helps you quickly work through deposit types, availability periods, new accounts, large deposits, and common exception-hold situations.Inside the job aid: $275 next-day availability threshold $550 cash/similar-means provision $6,725 large-deposit and new-account threshold Cash and 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 Other check deposits Nonproprietary ATM deposits New-account considerations Large-deposit exception guidance Redeposited-check considerations Repeated-overdraft exception Reasonable-cause holds Emergency-condition reminders Business-day and cutoff-time reminders Hold-notice checklist The Start Here workflow helps employees work through the right questions before determining availability:Identify the Deposit → Check Account Age → Check Deposit Method → Confirm Cutoff Time → Check for ExceptionsWho Is It For?Ideal for bank tellers, credit union employees, universal bankers, personal bankers, branch managers, operations teams, banking trainers, new hires, and financial-services students.Format: Digital quick-reference documentPages: 1Edition: 2026Reference thresholds: Effective July 1, 2025Use: Educational and training purposesImportant: Regulation CC establishes federal requirements, but financial institutions may provide faster availability and have institution-specific procedures. Always follow your institution’s current funds-availability disclosures, policies, approved notices, and procedures.For educational/training use only. Not for resale.