[content as of morning of June 2 (v4 sent to GECU]

Due to changes in Federal Regulation CC, the amount of funds that are made available to you upon depositing a check will increase effective July 1, 2025.

• The first $275 of your check deposits will be available on the next business day after we receive your deposit. This is an increase from the $225 amount that was previously made available. Depending on the type of check you deposit, your funds may not be available until the second business day after we receive your deposit.
• The cash withdrawal amount will increase from $450 to $550 of deposited check funds available for withdrawal on the second business day after we receive your deposit.
• Additionally, please note the following changes that will apply to check deposits for large dollar amounts, which may be delayed for a longer period:
  • Deposits that exceed $6,725 on any one day may be delayed. This is an increase from the previous $5,525 threshold.
  • f you are a new member and your account is still within the first 30 days from opening, funds from electronic direct deposits to your account will be available on the day we receive the deposit.
  • Funds from deposits of cash, wire transfers and the first $6,725 (previously $5,525) of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and federal, state and local government checks will be available on the next business day after your deposit if the deposit meets certain conditions.
    • For new members, the excess over $6,725 will be available on the ninth business day after the day of your deposit. For accounts opened more than 30 days, the excess over $6,725 will be available on the fifth business day after the day of your deposit. If your deposit of these checks (other than U.S. Treasury) is not made in person to one of our employees, the first $6,725 will not be available until the second business day after your deposit.

If a deposit’s availability is delayed, we will provide Notice of Delayed Availability to you promptly. Please do not hesitate to contact a member service representative at 800.992.8472 with any questions.