We are not aware of any Illinois or federal laws that require signage or notices to customers that a branch does not accept cash deposits. However, for customer service purposes, it may be prudent to post signs at any deposit taking areas (such as teller windows and ATMs) to warn customers about the policy.

We also recommend reviewing your account agreements and Regulation CC funds availability policies, which may need to be updated to reflect that some of your branch locations do not accept cash deposits. However, we note that Regulation CC does not require a bank to accept cash deposits at all locations.

For resources related to our guidance, please see:

• Regulation CC, 12 CFR 229.19(c) (Regulation CC “does not . . . (3) Require a depository bank to open or otherwise to make its facilities available for customer transactions on a given business day; . . .”)