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Regulation CC Funds Availability & Hold Quick Reference

Regulation CC doesn’t have to mean digging through pages of regulations every time you have a funds-availability question.

FORMATPDF
LENGTH1 page
YOUR PRICE$1.99
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Regulation CC Funds Availability & Hold Quick Reference cover
Know it. Apply it. Get it.

INSIDE THE RESOURCE

Know what you’re getting.

Start with the deposit. Understand the availability question.

  • 01

    $275 next-day availability threshold

  • 02

    $550 cash/similar-means provision

  • 03

    $6,725 large-deposit and new-account threshold

  • 04

    Cash and electronic payment availability

  • 05

    U.S. Treasury checks

  • 06

    U.S. Postal Service money orders

Read the complete resource overview

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 Exceptions

Who 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 document
Pages: 1
Edition: 2026
Reference thresholds: Effective July 1, 2025
Use: Educational and training purposes

Important: 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.

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YOUR LEARNING PLAN

Start with one question.

Choose a topic you want to understand. Read the matching section, make a short note in your own words, then compare it with your institution’s approved procedures.

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What files will I receive?

PDF · 1 page. These are digital files; no physical item is shipped.

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Can I share this with my team?

Review the resource’s permitted-use terms. For team distribution or licensing questions, contact Jay Get It before sharing copies.

Does this replace my institution’s training?

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

Where can I get help?

Visit Jay Get It Support with the product name and order reference. Do not send customer records, payment details, or confidential institutional information.

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Eligible portrait PDFs under 250 MB include your email address and order date through Payhip. Landscape PDFs, Word documents, and ZIP contents retain Jay Get It branding without a personalized PDF stamp. Stamping discourages sharing; it does not prevent copying.

Regulation CC learning

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Get this resource · $1.99

Digital download · Checkout and delivery through Payhip.