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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.
Mobile Deposit
5:00pm
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
5:00pm
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 Online Banking

Cutoff Time  (CT)
Scheduled Bank of Washington Account to Account Transfer
6:00pm
Funds will be available as scheduled.*
Express Bank of Washington Account to Account Transfer
7:00pm
Funds will be available the same business day.
Standard Outbound Transfer
11:59:59pm
Funds will generally be received by the other financial institution within 4-5 business days.
Express Outbound Transfer
11:59:59pm
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


Cutoff Time  (CT)
Online Banking Bill Payment
9:00pm 
Payment will be applied as scheduled.*
Popmoney P2P (Person-to-Person) Standard
9:00pm
Recipient will receive the funds 3 business days after accepting the payment.
Popmoney P2P (Person-to-Person) 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 Online Banking).