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The cutoff times displayed below are times that transactions need to be submitted by in order to guarantee same day processing. While we always do our best to adhere to the cutoff times stated below, transactions flagged for additional review may take up to 3 business days to process.
- ACH: 4:30PM ET
- Bill Pay: 4:30PM ET
- Internal Transfers: 5:00PM ET
- Loan Payments: 3:00PM ET
- Mobile Deposit: 4:00PM ET
- Domestic USD Wires: 4:30PM ET
- International USD Wires: 4:30PM ET
- Foreign Currency (FX) Wires: 2:30PM ET
All wires submitted via DocuSign will also be subject to a 2:30PM ET cutoff time.
Incoming Wires
All incoming wires will be posted until 5:30 pm ET.
Exception Wire Processing
We understand that sometimes things are beyond your control, so an exception process remains in place for time sensitive wires, which requires notification to Customer Service prior to the cutoff times. All wires submitted after the cutoff times will be considered an exception wire and will be released on a best effort basis. If Customer Service does not a receive notification, the wire will be processed on the following business day. To guarantee same day wire processing, please follow the guidelines stated above.
External Transfers
Once an external transfer is submitted, the process can take an estimated 1-3 business days to be credited to the receiving institution. If further information is required to process your transfer, we may reach out for additional verification.