The short answer
Cash deposited with a teller, electronic payments, and most government and official checks must be available the next business day. Most other checks must be available by the second business day, with the first $275 available the next business day. A bank can hold funds longer only under one of six exception holds in 12 CFR 229.13, usually to the seventh business day, and only with a written notice to the customer.
Calendar day the deposit was made
Enter the amount in each category. Leave the rest at zero.
Wire transfer or ACH credit
Cashier's, certified, teller's, state/local government checks, USPS money orders, Fed/FHLB checks
Drawn on the same bank
Personal and business checks drawn on other banks
The large-deposit exception (aggregate checks over $6,725 in one banking day) is applied automatically.
How the Regulation CC availability schedule works
Regulation CC (12 CFR part 229) implements the Expedited Funds Availability Act. Subpart B sets the latest point at which a bank must make deposited funds available for withdrawal, measured in business days after the banking day of deposit. A business day is any calendar day except Saturdays, Sundays, and the federal holidays listed in 12 CFR 229.2(g); a banking day is a business day the bank is open for substantially all banking functions. Deposits made after the cut-off hour (no earlier than 2:00 p.m. for teller deposits, 12:00 noon for ATMs) or on a non-banking day count as received the next banking day (12 CFR 229.19(a)(5)).
| Deposit type | Latest availability | Citation |
|---|---|---|
| Cash, in person to an employee | Next business day | 229.10(a)(1) |
| Cash, not in person (e.g. proprietary ATM) | Second business day | 229.10(a)(2) |
| Electronic payment (wire, ACH credit) | Next business day | 229.10(b) |
| U.S. Treasury check, payee's account | Next business day | 229.10(c)(1)(i) |
| Official checks (cashier's, certified, teller's, state/local government, USPS money order, Fed/FHLB), in person to payee's account | Next business day | 229.10(c)(1)(ii)-(v) |
| Same official checks, not deposited in person | Second business day | 229.10(c)(2) |
| On-us check | Next business day | 229.10(c)(1)(vi) |
| All other checks (one check-processing region since 2010) | Second business day, first $275 next day | 229.12(b), 229.10(c)(1)(vii) |
| Any deposit at a nonproprietary ATM | Fifth business day | 229.12(f) |
The dollar amounts adjust for inflation every five years under 12 CFR 229.11. Since July 1, 2025 the next-day amount is $275 (previously $225) and the large-deposit/new-account/repeated-overdraft threshold is $6,725 (previously $5,525). The next adjustment takes effect July 1, 2030.
The six Reg CC exception holds
A bank may delay availability beyond the schedule only through an exception in 12 CFR 229.13:
- New accounts (229.13(a)): during the first 30 calendar days, ordinary checks have no federal availability deadline. Treasury and official checks into a payee's account get next-day availability on the first $6,725; the excess must be available by the ninth business day.
- Large deposits (229.13(b)): the aggregate of one banking day's check deposits above $6,725 can be held longer. Cash and electronic payments never count toward the threshold.
- Redeposited checks (229.13(c)): a check returned unpaid and redeposited, unless it was returned for a missing indorsement or because it was postdated and that defect is cured.
- Repeated overdrafts (229.13(d)): the account (or combined accounts) was negative on 6 or more banking days in the preceding 6 months, or negative by $6,725 or more on 2 banking days. The exception can be applied for 6 months after the last overdraft.
- Reasonable cause to doubt collectibility (229.13(e)): well-grounded, check-specific facts, such as a paying bank's notice that the check will not clear, a stale or postdated check, or suspected kiting. Never a class of checks or depositors.
- Emergency conditions (229.13(f)): communications or equipment failure, suspension of payments by another bank, war, or other emergency beyond the bank's control.
When an exception other than new accounts applies, the bank may extend availability by a reasonable period: the safe harbor is 1 extra business day for on-us checks, 5 for checks on the two-day schedule (so the seventh business day), and 6 for nonproprietary-ATM deposits (12 CFR 229.13(h)(4)). Under the repeated-overdraft, reasonable-cause, and emergency exceptions the $275 next-day amount does not apply either.
Hold notice requirements under 12 CFR 229.13(g)
Invoking a large-deposit, redeposited-check, repeated-overdraft, or reasonable-cause hold requires a written notice stating the account number, the date and amount of the deposit, the amount being held, the reason, and when the funds will be available. In person, the notice is due at the time of deposit. Otherwise it must be mailed or delivered by the first business day following the day the facts became known or the deposit was made, whichever is later. For a reasonable-cause hold the bank must also keep a record of the facts for two years (229.13(g)(5)) and, if no notice was given at deposit, refund overdraft fees caused by the hold on request when the check pays (229.13(e)(2)).
Worked example from the official commentary
A customer deposits $2,000 in cash and a $9,000 local check with a teller on Monday (appendix E commentary to 229.13(b)):
- Tuesday: $2,275 — the cash (next-day under 229.10(a)(1)) plus the first $275 of the check.
- Wednesday: $6,450 more — the rest of the first $6,725 of the check under the two-day schedule.
- Wednesday of the following week (seventh business day): the remaining $2,275 — the amount over $6,725, held under the large-deposit exception with the five-day safe harbor.
Run the same numbers in the calculator above, with real holidays applied, and you get the same schedule plus the notice deadline. See our Reg CC hold rules guide for the policy side and common Regulation CC violations examiners cite for what goes wrong in practice.
Conservative assumptions this calculator makes
- Every check is treated as local: since 2010 there is a single check-processing region, so the five-day nonlocal schedule in 229.12(c) no longer applies.
- The bank is in the 48 contiguous states, is open every business day, and condition details such as the special deposit slip (229.10(c)(3)) are met.
- Exception extensions use the 229.13(h)(4) safe harbors, the longest hold a bank can take without carrying the burden of proving more time was reasonable.
- Juneteenth counts as a business day because the Board has not added it to the 229.2(g) list; a toggle lets you treat it as a holiday instead.
- Under the large-deposit exception, the held excess is taken from the slowest-scheduled checks, matching the commentary example; the bank may allocate differently.
Frequently asked questions
When must the first $275 of a check deposit be available?
The lesser of $275 or the day's total check deposits not already subject to next-day availability must be available for withdrawal on the first business day after the banking day of deposit (12 CFR 229.10(c)(1)(vii)). The amount was raised from $225 to $275 on July 1, 2025, by the inflation adjustment in 12 CFR 229.11. The $275 rule does not apply to deposits at nonproprietary ATMs, to new accounts, or when the bank invokes a repeated-overdraft, reasonable-cause, or emergency exception hold.
What is the large deposit exception threshold: $5,525 or $6,725?
$6,725. The threshold in 12 CFR 229.13(b) was adjusted for inflation from $5,525 to $6,725 effective July 1, 2025. A bank may extend the hold on the portion of one banking day's aggregate check deposits that exceeds $6,725; the first $6,725 follows the normal availability schedule, including the $275 next-day amount.
If a hold notice is not given at the time of deposit, when must it be mailed?
No later than the first business day following the day the facts that triggered the exception became known to the bank, or the day of deposit, whichever is later (12 CFR 229.13(g)(1)(ii)). For a deposit made in person to an employee, the written notice must be given at the time of the deposit.
What are valid reasons for an extended (exception) hold under Reg CC?
Six exceptions in 12 CFR 229.13: new accounts (first 30 days), large deposits (aggregate checks over $6,725 in a banking day), redeposited checks, repeated overdrafts (an account negative on 6 or more banking days, or negative by $6,725 or more on 2 banking days, in the preceding 6 months), reasonable cause to doubt collectibility, and emergency conditions. Mobile deposit risk scores and deposit channel alone are not exceptions.
How long can a bank extend a hold under an exception?
By a reasonable period beyond the schedule. 12 CFR 229.13(h)(4) treats an extension of up to 1 business day for on-us checks, 5 business days for checks subject to the two-day schedule, and 6 business days for nonproprietary-ATM deposits as reasonable. For most checks that means the seventh business day after deposit. A longer hold can be reasonable, but the bank carries the burden of establishing it.
When are funds available for a deposit at a nonproprietary ATM?
The fifth business day following the banking day of deposit, for everything deposited there: cash, Treasury checks, and other next-day items included (12 CFR 229.12(f)). The $275 next-day requirement does not apply to nonproprietary-ATM deposits.
Does Regulation CC apply to savings accounts?
The subpart B availability schedules apply to 'accounts' as defined in 12 CFR 229.2(a), which covers transaction accounts such as checking and NOW accounts. Savings deposits and money market deposit accounts are not 'accounts' for the availability schedules, though the expedited-return rules in subpart C still treat them as covered for check-return purposes.
Do mobile check deposits fall under the Reg CC availability schedules?
Generally no. The schedules run from deposits made at banking offices, ATMs, or by mail; a check imaged through remote deposit capture is not received at a banking office, so subpart B does not set a deadline for it. Most banks apply a parallel policy in their funds-availability disclosure, and any hold must still match what the bank disclosed.
This calculator is provided for general informational purposes only. It is not legal advice, not a substitute for reading the regulation, and not a representation of how any particular regulator or examiner will interpret a specific set of facts. Where a rule is ambiguous, the tool applies the more conservative reading and says so. Confirm results against the current regulation text and your institution's counsel and disclosed policies before relying on them.
Holds are easy. Proving every notice went out on time is not.
Canarie turns Reg CC obligations into owned tasks with evidence attached: hold decisions, notice timestamps, and the audit trail your next exam will ask for.