Cutoff Times
Transfers | Transfers between your accounts are real-time transactions and can be processed at any time the Online Banking system and the Bank's data processing system are operating. Transfers attempted after the 7:00 PM PT cutoff period will be posted on the following business day. Transfers attempted after the 7:00 PM PT cutoff period will be posted on the following business day. |
Check Deposits | Checks deposited before 5:00 PM will be posted same day, funds may be available next day but are subject to a 2-7 day hold. |
Wires | Wires received after their cutoff times will be processed the next business day. Domestic wires submitted in-person must be received by bank by 2:00 PM PT. Domestic wires submitted through online banking must be received by bank by 2:00 PM PT. Any international wire transfer requests must be received by bank by 12:30 PM PT. Domestic wire requests through online banking messaging must be received by bank by 12:30 PM PT. |
ACH | Bank's cutoff hours for delivery or receipt of ACH files transmitted through Online Banking will be 2:00 PM PT. Customers with same day ACH capabilities have a cutoff time of 12:30 PM PT. |
Positive Pay & ACH Filter | The exception items with available images, will be made available to you each banking day via online banking. You will need to make a pay/no pay decision by the designated deadline of 11:00 AM PT for checks and 4:00 PM PT for ACH. |