SCAM ALERT!!

BEWARE of fake text messages claiming to be an “Impact CU Alert” about a bill pay transfer instructing you to reply YES if the transaction is authorized or NO if it is not. If replied to, the scammer follows up with a phone call requesting to verify your username or other personal information. This is fraud. DO NOT reply or share information. If you believe you may have responded to this message or shared account information, please contact Impact CU immediately using the phone number on our official website.

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Funds Availability

Effective July 1, 2025, we updated our Funds Availability Policy to reflect changes to 12 CFR 229, Availability of Funds and Collection of Checks (Regulation CC). The change increased the amount made available to Members for certain items presented for deposit as follows:

The first $275 (previously $225) of a check deposit will generally be available no later than the first business day after the day of deposit.
The threshold for large check deposits subject to extended holds has increased to $6,725 (previously $5,525).
For new accounts, the amount of deposits available next day has increased to $6,725 (previously $5,525).

Our general policy is to allow you to withdraw funds deposited into your account on the day of deposit. However, under certain circumstances, we may delay your ability to withdraw funds. For more details, please review our Funds Availability Policy.

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