Regulation CC hold chart (2026)

This is a reference chart for Regulation CC funds availability: how long a bank may hold each type of deposit, what the current dollar thresholds are, and when a hold crosses from permissible to improper. The narrative treatment — why the rule exists, what the notice must say, and the gap between available and collected funds — is in how long a bank can hold a check. The consumer-rights framing is in Regulation CC: when a deposit becomes available.

Two conventions govern every figure below. Counts run in business days — every day except Saturday, Sunday, and federal holidays — starting from the banking day on which the deposit was made. A deposit made after the branch's posted cutoff, or after 2 p.m. at an ATM, is treated as made on the next banking day, which pushes every subsequent figure back by a day.

The chart

The dollar thresholds and when they changed

Regulation CC's dollar amounts are indexed for inflation and adjusted every five years under §229.11. The current figures took effect on 1 July 2025; the next scheduled adjustment is 1 July 2030.

Anyone relying on a specific figure for a live dispute should check it against the current text of 12 CFR Part 229 or the Federal Reserve's adjustment notice, both linked in the sources below. A bank's posted availability schedule that still cites $225 is out of date, and the disclosure error is itself worth raising.

Worked examples

A $10,000 personal check, deposited at a teller on a Monday. $275 is available Tuesday. The next $6,450 is available Wednesday, bringing the standard-schedule total to $6,725. The remaining $3,275 exceeds the large-deposit threshold, so the bank may hold it under §229.13(b) for roughly five more business days — available the following Wednesday. The bank must give a written exception notice naming the amount held, the reason, and the availability date.

A $20,000 check. The arithmetic is identical; only the held portion is larger. The first $6,725 follows the standard schedule and the remaining $13,275 sits under the large-deposit exception for about a week. Size alone does not extend the hold beyond the exception schedule — there is no separate rule for six-figure deposits.

A $15,000 cashier's check, deposited in person into the payee's own account. On its face this is a next-day item. If the bank documents a reasonable cause to doubt collectibility — counterfeit cashier's checks being a common fraud pattern — it may hold everything above the next-day amount for roughly seven business days, and the exception notice must state the specific reason rather than a generic risk statement.

The same check deposited through the mobile app. Remote deposit capture sits outside the Reg CC availability schedule, so the timing comes from the deposit agreement. Banks usually apply something close to the regulatory schedule, but the enforceable commitment is the one in the agreement, and mobile-specific limits — a daily dollar cap, a longer default hold for new customers — are common.

When a hold has gone wrong

Three failures come up repeatedly, and all three are actionable:

• No notice. An exception hold requires a written notice stating the amount, the reason, and the availability date, given at the time of deposit or, if the hold is decided later, by the first business day after. A hold appearing in online banking with no notice is a violation on its own.
• A boilerplate reason. "Reasonable cause to doubt collectibility" has to rest on something specific about the check, the drawer, or the account. "We hold all large checks" is not a permissible reason.
• A hold longer than the schedule. Once the exception period has run, the funds must be released whether or not the check has cleared. Availability and collection are separate questions.

The escalation path is the same in each case: a written complaint to the bank citing the section, then a complaint to the CFPB or the bank's prudential regulator. The Expedited Funds Availability Act also carries a private right of action with statutory damages, which is worth considering where the wrongful hold caused a measurable loss such as a returned payment or a late fee.

Limits and uncertainty

The chart states regulatory maximums for a consumer transaction account at a U.S. bank or credit union. It does not cover business accounts governed by a negotiated agreement, deposits at non-bank fintech apps that are not themselves depository institutions, or foreign-drawn items, none of which fall under the Reg CC availability schedule. The "about 7 business days" figure for exception holds is the customary reading of the "reasonable period" standard in §229.13(h) rather than a number stated in the rule; a longer hold is not automatically unlawful, but a bank should be able to justify it. Regulation CC changes rarely, and the next scheduled movement in the dollar amounts is July 2030.