Important Regulation CC Update (Availability of Funds and Collection of Checks) 

Changes Effective July 1, 2025 

As part of a scheduled adjustment under federal regulations, changes to our Funds Availability Policy will take effect on July 1, 2025. These updates affect when deposited funds become available for withdrawal and include increased availability thresholds.

Key Updates:

• The first $275 (previously $225) of any check deposit will generally be available no later than the next business day.
• The threshold for large check deposits subject to extended holds is increasing to $6,725 (previously $5,525).
• For new accounts, the amount of deposits available within the first business day will also increase to $6,725.

These changes are in line with regulatory updates and do not affect our general policy—most deposits will continue to be available on the same day. However, delays may occur in certain situations, including:

• We believe a check you deposited may not be paid
• You deposit checks totaling more than $6,725 in one day
• You redeposit a check that was previously returned
• You have a history of overdrafts in the past six months
• There is a system or communications outage

For full details, please review our updated Funds Availability Policy and Account Terms and Conditions.

By continuing to use your MPS Credit Union accounts after July 1, 2025, you agree to these updated terms.