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Want to know when the funds from a check you deposit become available for your use? Or when funds you send by transfer are credited to another account? Find Cutoff and processing times for Mobile Check Deposit, Transfers and Bill Pay here.
Mobile Check Deposit
The cutoff time for Mobile Check Deposits are based off of the time zone in which the account was opened. Checks received by the following cutoff times on a business day are considered deposited on that day, and will usually be available the following business day.
Time Zone
Cutoff and availability times
Eastern or Central
Funds deposited before on a business day will generally be available the next business day.
Mountain or Pacific∗
Funds deposited before on a business day will generally be available the next business day.
*Note: This excludes accounts opened at financial centers in New Mexico, western Kansas, and the El Paso region in Texas where the cutoff time is
You will be notified if a hold is placed on any deposited funds.
Transfer funds between your Bank of America accounts or to other Bank of America customers using their account number.
Recipient account
Fund Availability
Credit accounts
(credit card, charge card, business line of credit, installment loan or mortgage accounts)
on a bank business day for same-day credit.
Deposit accounts
(checking, savings, money market accounts)
All transfers are credited immediately.
When will it show in my transaction history?layer
Merrill Lynch, Pierce, Fenner & Smith investment accounts
on a bank business day for same-day credit.
Special Types of Transfers
Type of transfer
Fund Availability
Zelle® transfers
Registered Zelle recipient
Funds are typically available within minutes1
Unregistered Zelle recipient
A hold will be placed on your account for the amount of the transfer; once your recipient has registered with Zelle or a network bank, it may take up to 2 business days for the first transfer to be credited to the registered account. If your recipient hasn’t registered within 14 days, the transfer will be canceled and the funds will be returned to your account.
1 Sometimes, for your account security, we may need additional time to verify the transfer details. In this situation, a hold will be placed on your account for the amount of the transfer. You will be notified by email when the transfer is completed.
Next-business-day and 3-business-day transfers*
for next-business-day or 3-business-day transfer. Funds will be received by the recipient’s bank either the next business day or within 3 business days.
Same-business-day domestic outbound transfers*
for same-business-day (wire) transfer. Funds will be received by the recipient’s bank on the same business day.
International outbound transfers*
for international wire transfer. Sending customer will be informed when the funds will be available to the recipient at the time the transfer is scheduled.
*Fees may apply these services. Please see your Online Banking Service Agreement for details.
Bill Pay
Payee type
Fund Availability
Bank of America Credit Card accounts
for same-day credit.
Bank of America Mortgage
For customers who pay with their Bank of America Checking or Savings account, payments scheduled before on a business day gives you same-day credit
Bank of America Vehicle loans
For vehicle-loan-only customers, payments scheduled before on a business day gives you same day credit. For customers who pay with their Bank of America Checking or Savings account, payments scheduled before on a business day gives you same-day credit.
Non Bank of America Billers
Payments initiated before on a business day will be scheduled and begin processing on the same business day.
When will deposit accounts transfers show in my transaction history?
Funds transferred before 10:45 p.m. ET on a business day show the same day’s date in the transaction history
Funds transferred after 10:45 p.m., but before 11:59 p.m. ET, on a business day are included in the balance to pay transactions that night–but, they will show the next day’s date in the transaction history
Funds transferred on a Saturday, Sunday or bank holiday will show the next business day’s date in the transaction history
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If you make a deposit after the cut-off time, the bank or credit union can treat your deposit as if it was made on the next business day. A bank or credit union's cut-off time for receiving deposits can be no earlier than 2:00 p.m. at physical locations and no earlier than noon at an ATM or elsewhere.
When transferring to or from your U.S. Bank account same business day transfers cut-off times are as follows: Checking, savings and reserve lines: 12 a.m. local time. Checking or savings payments to a first mortgage: 4:30 p.m. CT.
Generally, a bank must make the first $225 from the deposit available—for either cash withdrawal or check writing purposes—at the start of the next business day after the banking day that the deposit is made. The rest of the deposit should generally be available on the second business day.
Funds deposited before 9:00 p.m. ET on a business day will generally be available the next business day. Funds deposited before 8:00 p.m. PT on a business day will generally be available the next business day. You will be notified if a hold is placed on any deposited funds.
Once you receive a check, you may not have immediate access to the full amount when you deposit into your bank account. Usually, it takes up to two business days for a deposited check to fully clear. This may be true even if your stated balance indicates otherwise.
Interbank Fund Transfers done via PESONet have two different cut-off times every business day: 9:00 AM and 3:00 PM. i) Transactions performed before 9:00 AM on a business day shall be processed on or before 2:00 PM within the same business day.
Most transactions post at the end of each business day but posting order and times can vary. Business days for banks are generally Monday - Friday from 9am to 5pm, excluding federal holidays. Transactions received outside of these hours, including on weekends, are usually posted on the next business day.
You should find out when your bank's cut-off time is for wire transfers to ensure your transfer arrives on time. The cut-off time is usually 5 pm, but it can vary between banks. Banks will process requests made after this time the following business day.
This cut-off time is usually before 3.30pm over the phone or at a branch and 5pm online (this can vary depending on the bank). However, using this method means you won't be able to transfer money on a bank holiday or at the weekend. If you do, then the payment will always be sent the next working day.
Usually, you'll have access to your direct deposit at the opening of business on your payday — by 9 a.m. In many cases, direct deposits hit accounts even earlier, often between midnight and 6 a.m. on payday morning. But there are factors that can affect how long it takes your direct deposit to become available.
The Federal Reserve has set baseline rules for check deposits: The first $225 must be available the next business day, while amounts from $226 to $5,525 must be available within two business days after the deposit, and amounts of $5,525 or more generally should be accessible on the seventh business day.
Most banks will advise 24 to 72 hours before funds land and are available. This means that if you send funds 9am EST on Monday to Germany, those funds may not be available until 9am EST Wednesday (local time). Some countries may take longer to process wire transfers than others.
Many popular banks such as Ally Bank, Axos and SoFi® offer instant mobile deposit availability. The fastest way to deposit a check is usually via your bank's mobile app, with funds being available the same day or a couple days later—it depends on the bank.
Usually, you'll have access to your direct deposit at the opening of business on your payday — by 9 a.m. In many cases, direct deposits hit accounts even earlier, often between midnight and 6 a.m. on payday morning. But there are factors that can affect how long it takes your direct deposit to become available.
Expand. If you deposit on a business day before 9 pm PT, your money will generally be available the next day. If you deposit after 9 pm PT or on a weekend or holiday, we'll process the deposit on the next business day and your money will generally be available the day after that.
Most recipients can expect their direct deposits to be available by 9 a.m. on payday, with many banks allowing funds to be released between midnight and 6 a.m. If your bank allows for the funds to be released sooner, you'll see them then.
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