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Cut-Off Times

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ACH

ACH transactions originated through Online Banking must be sent no later than 4:00 pm EST on the business day prior to the effective date of the file and funds must be available in the account used for transmittal at this time in order for the transaction to be processed.

In order for wire transfer funds initiated through Online Banking to be sent on the business day of the request, the request must be sent to the Bank through the Online Banking Portal no later than 1:00 PM EST for International wire transfers and 3:00 PM EST for Domestic wire transfers. Any Wire submitted after these times will be processed on the following business day.

RDC transactions must be sent to the Bank prior to 4:05 pm Eastern Time for the transactions to be processed the same business day. Bank may amend cut-off deadlines from time to time.

All exception items for Positive Pay must be worked by 12 PM EST to ensure proper processing.