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 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.
| Deposit Type | Cutoff Time (CT) |
|---|---|
|
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
| Transfer Type | Cutoff Time (CT) |
|---|---|
| Internal Transfers, Pay People, and Customer to Customer |
7:00pm
If scheduled, funds will be available as scheduled.*
|
| External Transfers to a Different Financial Institution |
4:00pm
Funds will generally be received by the other financial institution within 4-5 business days.
|
| Loan Payments to a Bank of Washington Loan |
11:59pm
If scheduled, funds will be available as scheduled.*
|
Wires
| Wire Type | Cutoff Time (CT) |
|---|---|
| Online Domestic Transfers |
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
| Service | Cutoff Time (CT) |
|---|---|
| Bill Pay |
9:00pm
Payment will be applied as scheduled.*
|
*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).