Important Change in Terms

Funds Availability Policy Change in Terms

As outlined in our account disclosures, the Federal Reserve Board's Regulation CC provides guidance on when and how much of the funds from checks you deposit into your account are available to you. Effective July 1, 2025 the following changes become effective:

• The amount immediately available to you from deposits made at a branch, in the Night Drop box, at an Automated Teller Machine (ATM) or through Remote Deposit Capture (mobile deposits) is increasing to a minimum of $275 of your daily aggregated deposit(s)
• Deposits of more than $6,725.00 on any single day will be subject to the longer holdtime exceptions

Ventura County Credit Union values your membership. If you have any questions, please send us a secure message in Online or Mobile Banking or contact us at 805.477.4000 during regular business hours.