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2020 Changes to Availability of Funds

Effective July 1, 2020, the following regulatory changes will be made to accounts in the United States regarding Funds Availability.

Beginning July 1, 2020, your financial institution will be required to provide $225 for next day availability for all instances where it was required to provide a minimum of $200. In addition, the $5,000 availability requirements for holds on new accounts, large deposits, and repeat overdrafts will increase to $5,525. The last dollar adjustment for check holds is to the amount required to be released for payment of cash or other similar means if your institution discloses and extends the amount available for withdrawal by one business day. The amount that must be available in this instance increases from $400 to $450. The final rule also established a timetable for future adjustments with the next adjustment expected on July 1, 2025, and continuing every fifth year thereafter. The adjustments will be based on increases in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) and rounded to the nearest multiple of $25.

 

 
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