Great News! Effective 8/17/2017 We Have Changed Our Transaction Cutoff Times!

Transaction Cutoff Times
Transactions and loan payments accepted by the end of the business day Monday through Friday will be processed the same day. Transactions and loan payments made on weekends and legal holidays will be processed the next business day.

As part of an effort to improve and modernize the U.S. payments system, you may have already noticed a change in the times during the day that we apply electronic Direct Deposits to your account. This change was made to help provide you with faster access to funds for same-day Direct Deposits to your account. Beginning on Friday, Sept. 15, 2017, we also will change the times that we apply certain electronic debit payments to your account. These electronic debits are commonly known as Direct Payment, Direct Debit, ACH Debit, Electronic Check or e-Check, and similar terms. They are different from your debit card payments and ATM transactions.

Many merchants and billing companies may offer you the option to make a same-day electronic payment, such as to pay a bill or to transfer funds. If you agree, then the funds might be debited from your account as soon as that very same day. For example, if you have a bill due on the 25th of the month, the billing company might allow you to call or use its website on the morning of the 25th to make an on-time payment, and also have the funds debited from your account on the 25th. While these types of payments won’t be reflected on your account balance as quickly as your debit card and ATM transactions, you will have access to more accurate information about your actual available account balance more frequently throughout the business day.


    1. You should understand that when you authorize a merchant or biller to debit your account with us, the merchant or biller should include information or a statement about the timing of the payment. If the merchant or biller offers you the option to make a same-day payment, it might be referred to as a same-day payment, or noted that the merchant or biller intends to collect the funds as quickly as possible.
    2.  If you have pre-authorized an electronic payment, such as a recurring mortgage or insurance payment, then very likely there will be no change to the time that these payments are posted to your account.
    3. You should always have sufficient funds in your account to cover every payment you make, authorize, or initiate, and you should frequently review their account statements and transactions.


As our financial lives move faster than ever before, we have come to expect faster payments and information as a core component of good service. To that end the financial services industry has been working to modernize the systems that allow deposits and payments to move at the pace our customers expect. In short, we’re doing our part to make it faster and easier for you to make payments, and to update account balance information more frequently during the day.


Contact us for help with your questions