Transaction Cutoff Times

Transfers Between Accounts
7:00 pm ET

Wire Transfers
Outgoing Wire Transfer in Online Banking International - 5:00 pm ET Domestic - 5:30 pm ET
Outgoing Wire Transfer in Branch or through Wire Department International - 3:00 pm ET Domestic - 3:30 pm ET
Incoming Wire Transfer Received from the Fed by 7:00 pm ET, with no exceptions, will be posted same day

ACH Files
ACH Files 5:00 PM ET
Same Day ACH 2:00 pm ET
Per transaction limit is $100,000.

Positive Pay
Positive Pay Decisions 12:00 PM ET

Other Payment Types & Receivables
Bill Pay 3:00 PM ET
Remote/Mobile Deposit (RDC) 5:00 PM ET
SmartPay Payment Portal 3:00 PM ET

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