Funds Availability Policy Update
Dear Customer,
We have updated our Funds Availability Policy in accordance with federal Regulation CC. These changes are designed to reflect inflation adjustments mandated by the Federal Reserve Board and the Consumer Financial Protection Bureau.
What's Changing?
Effective July 1, 2025, the following thresholds were updated:
| Funds Availability Category |
Previous Amount |
New Amount |
| Minimum amount available next business day |
$225 |
$275 |
| Cash withdrawal limit |
$450 |
$550 |
| New account deposit threshold |
$5,525 |
$6,725 |
| Large deposit threshold |
$5,525 |
$6,725 |
| Repeated overdraft threshold |
$5,525 |
$6,725 |
These changes may result in faster access to your deposited funds.
What You Need to Know
- No action is required on your part.
- These updates apply automatically to all consumer accounts.
- You may request a copy of our updated Funds Availability Policy at any time.
For questions or assistance, please contact us at www.fsb1.com
Sincerely,
First Security Bank
Member FDIC
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