Cutoff Times
Sometimes you may question exactly when your deposited funds will be available or when a transaction you make will be completed. Hopefully, this little chart will help.
Business Days
Our business days are Monday through Friday. Transactions received on Saturdays, Sundays and Federal Holidays will be posted on the next business day. The end of the Bank of Washington business day is 7:00pm CT.
Deposits
For more information, please see our Funds Availability Schedule.
| Cutoff Time (CT) | |
|
ATM Deposit
|
4:00pm
Funds will generally be available the next business day.
|
|
ATM Deposit
|
7:00pm
Funds will generally be available the next business day.
|
| Mobile Deposit |
7:00pm
Funds will generally be available the next business day.
|
| In-Branch Deposit |
7:00pm
Funds will generally be available the next business day.
|
| Drive-Thru Deposit with Teller |
7:00pm
Funds will generally be available the next business day.
|
| Night Deposit |
Night deposits made after 8:30am will be processed the next business day.
|
| Remote Deposit Capture |
4:00pm
Funds will generally be available the next business day.
|
Transfers
Within Bank of Washington's Digital Banking
| Cutoff Time (CT) | |
| Scheduled Bank of Washington Account to Account Transfer |
11:59pm
Funds will be available as scheduled.*
|
| Express Bank of Washington Account to Account Transfer |
11:59pm
Funds will be available the same business day.
|
| Standard Outbound Transfer |
11:59pm
Funds will generally be received by the other financial institution within 4-5 business days.
|
| Express Outbound Transfer |
11:59pm
Funds will generally be received by the other financial institution in 2 business days.
|
Wires
| Cutoff Time (CT) | |
| Online Domestic Wire Transfer |
3:00pm
Funds will generally be received by the recipient's financial institution on the same business day.
|
| In-Branch Domestic Wire |
3:00pm
Funds will generally be received by the recipient's financial institution on the same business day.
|
| In-Branch International Wire |
12:00pm (Noon)
Funds will generally be received by the recipient's financial institution within 1 business day, but could take up to 30 days.
|
Bill Pay
Within Bank of Washington's Digital Banking
| Cutoff Time (CT) | |
| Bill Pay |
9:00pm
Payment will be applied as scheduled.*
|
| Pay People Standard |
9:00pm
Recipient will receive the funds 3 business days after accepting the payment.
|
| Pay People Express |
9:00pm
Recipient will receive the funds 1 business day after accepting the payment.
|
*In some circumstances, you are able to schedule a transaction for a future date. When this option is available, the transfer or payment will be processed on the day you schedule it within the Bank of Washington system (such as Digital Banking).