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. 

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Key Changes to Funds Availability 

• The first $275 (previously $225) of a check deposit will generally be available no later than the first business day after the day of deposit. 

• The threshold for large check deposits subject to extended holds has increased to $6,725 (previously $5,525). 

• For new accounts, the threshold for extended holds has increased to $6,725 (previously $5,525).

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By continuing to use your NYU FCU accounts and deposit services on or after July 1, 2025, you agree to the amended terms. 

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