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Bank Cut-Off Times

All transactions made in-person with a bank associate are processed on the business day they are received. Transactions received on Saturdays or days the bank is closed will be processed the following business day. A business day is every day except Saturdays, Sundays and federal holidays.

Electronic transactions conducted via our electronic banking products (excluding Mobile Deposit & Online Loan Payments) have a cut-off time of 6:00 p.m. Central Standard Time on any Monday through Friday that is not a bank holiday. Such transactions made on Saturdays, Sundays or federal holidays will be processed on the following business day.

The cut-off time for Mobile Deposit is 4:00 PM CST. Mobile Deposits made by 4:00 PM CST Monday through Friday will typically be made available on the same business day and are usually visible in the account between 7:00 PM and 10:00 PM CST. Deposits made after 4:00 PM CST will be considered deposited on the next business day. Deposited funds will be posted to the account after daily processing is complete. All deposits are subject to review and availability of funds may be delayed at our discretion.
The cut-off time for loan payments completed via the Online Payment Portal is 5:00 PM CST. Loan payments made on any Monday through Friday that is not a bank holiday will be received and credited as of the scheduled date. Payments made after 5:00 PM CST will be received and credited on the next business day. If your payment is returned for any reason, you will be notified by email.
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