REGULATION CC

Change in Terms Notice
Download the PDF version of the Member Notice

July 1, 2025

Important Information About Your Account - Changes to Funds Availability Policy
Effective Date: July 1, 2025

We are writing to inform you of a change to our Funds Availability Policy as required under Regulation CC (Availability of Funds and Collection of Checks).
These changes affect the availability of funds deposited into your account.

What changed?
Effective July 1, 2025, the following funds availability thresholds increased, in accordance with inflation adjustments under Regulation CC:

• The next-day availability amount for certain check deposits increased from $225 to $275.
• The cash withdrawal amount for certain check deposits increased from $450 to $550.
• The large deposit exception hold threshold increased from $5,525 to $6,725.
• The repeatedly overdrawn exception hold threshold increased from $5,525 to $6,725.
• The new account exception hold threshold increased from $5,525 to $6,725.

These adjustments are mandated by the Consumer Financial Protection Bureau (CFPB) and the Federal Reserve Board as part of the biennial inflation indexing requirements under Regulation CC.

No Action Required
You do not need to take any action. These changes automatically applied to your account July 1, 2025. For more information about our Funds Availability Policy or if you have any questions, please contact us at (616) 261-5657, visit communitywestcu.org, or stop by any of our branch locations.

Thank you for banking with us.

Sincerely,
Community West Credit Union