Click Here to go back to the home page.


Click Here to login to Perfect Teller.
Non-Flash Version - Bill Pay Demo
information pages



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.


      Printer Friendly Copy
For ADA Accessibility services or if you are using a screen reader and are having problems
using this website, please call the credit union directly at: 260-726-2142.
Financial Newsletters, Articles and Calculators to help you with your financial well-being.
Manage your VISA card.
Secure your VISA Card.
Find surcharge-free ATM's nationwide.
Get your free Annual Credit Report.
We are an Equal Housing Lender.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency. Click here to learn more.
© Crossroads Financial Federal Credit Union, P.O. Box 806, 1102 W. Votaw St., Portland, IN 47371, Phone: 260-726-2142, fax: 260-726-6846. All Rights Reserved. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. Crossroads Financial Federal Credit Union is not responsible for, the product, service, or overall website content available at a third-party site. Links to third-party sites are provided as a service only and are not an endorsement. Please view our Privacy Policy and Patriot Act Notice. Crossroads Financial FCU is federally insured by NCUA.