Notice of Change: Funds Availability Policy Disclosure

Written By HCPFCU

In accordance with 12 CFR 229, Availability of Funds and Collection of Checks (Regulation CC), we are updating our Funds Availability Policy effective July 1, 2025. These changes impact when deposited funds will be available for withdrawal – increasing the amount made available to you for certain items presented for deposit.

Key Changes to Funds Availability

  • All references to $225.00 shall be amended to $275.00.

  • All references to $5,525.00 shall be amended to $6,725.00.

The first $275.00 from a deposit of other checks will be available on the first business day following the day of your deposit. The remaining funds will be available on the second business day following the day of your deposit.

For example, if you deposit a check in the sum of $700.00 on a Monday, $275.00 of the deposit is available on Tuesday. The remaining $425.00 is available on Wednesday.

Contact the Credit Union directly at 765-962-3172 to request a full copy of the Funds Availability Disclosure.

HCPFCU
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