Reg. CC sets forth the requirements that depository institutions make funds deposited into transaction accounts available according to specified time schedules and that we disclose our funds availability policies to members. 

Click here for our funds availability policy

Checking accounts are transactional accounts, which is why if we are pledging a check, we must pledge the entire check into the shares account. If we deposit a check into a checking account, the funds must be released on a time line in small increments, which is why we are not currently pledging checks into checking accounts. 

Regulation CC is the reason that when you make an ATM deposit, you receive the first $225 the next business day. Reg. CC's goal is to make funds available to consumers as soon as possible.