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Cutoff Times
Resources

Deposit

Service

Cutoff Time

Funds Availability

ATM Deposit

2:00 PM

Next Business Day, subject to eligibility**

Deposit with Teller

Branch Closing

Immediately, subject to eligibility**

Night Deposit

Midnight

Next Business Day after 12:00 PM, subject to eligibility**

Mobile Deposit

6:00 PM

Next Business Day, subject to eligibility**

**You will be notified if a hold is placed on any deposited funds.

 

Transfer

Service

Cutoff Time

Funds Availability

Online Funds Transfer

8:00 PM

Immediately

Online External Transfer Verification Request

3:30 PM

1-3 Business Days

Online External Transfer

3:30 PM

Next Business Day

Online Person to Person Transfer

8:00 PM

Immediately

Online Bill Pay

3:30 PM

3-5 Business Days

Telephone Transfer

8:00 PM

Immediately

Text Transfer

8:00 PM

Immediately

Directo A Mexico

2:00 PM

Next Business Day after 2:00 PM

 

Loan Payment

Payment Method

Cutoff Time

Payment Posting Date

External Transfer

3:30 PM

2 Business Days

Western Union Payment

6:00 PM

Same Business Day

Phone Payment with Loan Receptionist

6:00 PM

Same Business Day

Teller Payment

Branch Closing

Same Business Day

Automated Telephone Payment

8:00 PM

Next Business Day

 

Miscellaneous Service

Service

Cutoff Time

Return Credit Availability

Stop Payment

6:00 PM

The Business Day Following the Posting Date

Return Pending Item

6:00 PM

Next Business Day, subject to eligibility**

Return Posted Item

3:00 PM

Same Business Day, subject to eligibility**

**Return eligibility is based off the date and type of transaction.  Additional documentation may be required. Debit card purchases cannot be returned without filing a dispute with Customer Service.