Updates to Funds Availability Policy Disclosure
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Updates to Funds Availability Policy Disclosure

There’s been a change in federal regulations, so our Funds Availability Policy Disclosure has been updated. As of July 1, 2025, the amount of funds available when you deposit a check at an ATM or a branch have increased.

Here’s what’s changed:

  • The first $275 from most check deposits (previously $225) will be available the next business day after the deposit is made.
  • Checks totaling more than $6,725 on any one day (previously $5,525) deposited to East County Schools FCU accounts that you (and others) own, may be held for longer.

There’s nothing you need to do—except enjoy the increase in available funds.

View the full Account Disclosures and Agreement here.

If you have any questions, please call us at 619-588-1515.

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Members LoveECSFCU!

  • Grant Nelson 2019

    While overseas I found myself in the frightening situation of being out of cash and with two debit cards from other financial institutions that weren’t working, despite my travel notice pre-planning. ECSFCU’s amazing member services team stayed late on a Friday to approve and immediately fund a quick loan that made the rest of our trip wonderful. Nobody else does that! Not only is it something that I will never forget, but it’s something I want to tell everyone about.

    Grant Nelson - Retired La Mesa Spring Valley Schools 8th Grade History Teacher