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Can the bank change the funds availability policy for a business checking account?

Generally, a bank can change the funds availability policy of a business checking account as long as the bank notifies account holders at least 30 days before implementing a change to the bank's policy.

Exception: Any change that speeds up the availability of funds—a positive impact for the account holder—may be disclosed not later than 30 days after implementation.

See additional questions under Bank Accounts - Funds Availability.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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