May 30, 2025
IMPORTANT FUNDS AVAILABILITY UPDATE
Important Update to Funds Availability Policy – Effective
July 1, 2025
Regulation CC, which governs how quickly banks must make check deposits
available, is changing. Starting July 1, 2025, the minimum amount we’re
required to make available by the first business day after certain check
deposits will increase from $225 to $275.
What This Means for You
While Metropolitan Bank generally makes your deposits available the next
business day, some deposits—such as those to new accounts, large checks, or
redeposited items—may be subject to longer holds. For these exceptions, the
amount made available during the hold period will increase from $5,525 to
$6,725.
Have Questions?
See the Bank’s Funds Availability Policy or contact your local Metropolitan
Bank branch for assistance.
