Regulation CC Funds Availability & Hold Quick Reference | 2026 Job Aid

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.

FILES INCLUDED

• PDF • 1 pages

Digital download. No physical item will be shipped. Review the cover previews and resource details before ordering.

HOW TO USE THIS RESOURCE

Choose a focused topic, review the material, then use it alongside your institution’s current policies, procedures, and required training. It does not replace institution approval or professional advice.

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QUESTIONS BEFORE ORDERING

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Know it. Apply it. Get it.