What is the 200 dollar bank rule?
The two hundred dollar bank rule relates to federal consumer protection regulations under the Expedited Funds Availability Act, implemented via Regulation CC. This rule dictates that banks and financial institutions must make the first two hundred dollars of a customer's deposited funds—such as standard check deposits—available for cash withdrawal or transaction use on the very next business day, ensuring consumers have rapid access to a baseline amount of their money.
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