Funds Availability Schedule

Wire Transfers

Funds received by wire transfer are generally available the same business day the transfer is received, provided it is received before our cutoff time of 4:30 PM Central Time. Wire transfers received after the cutoff will be available on the next business day.

Instant Payment Transfers (Real-Time Payments (RTP) and FedNow)

Funds received via Real-Time Payments (RTP) or FedNow are available immediately upon receipt. Instant Payments operate 24 hours a day, 7 days a week, 365 days a year, including weekends and holidays, so there are no cutoff times or delays in availability.

ACH Credits (Incoming)

Funds from incoming ACH credit transactions are generally available on the effective date specified in the ACH file by the originator, which is typically the same business day as settlement.

Remote Deposit Capture (RDC) and Lockbox

Checks deposited through RDC or Lockbox are subject to a default five (5) business day hold from the date of deposit.

No portion of the check will be made available prior to the end of this hold period.

The Bank may waive or reduce the hold period on a case-by-case basis at its discretion.

Originated ACH Debits

For ACH debit transactions originated by the Bank (where you request a debit from an external account), funds are subject to a default hold of two (2) business days from the settlement date. The Bank may waive or shorten this hold based on risk assessment or account history.

Transaction Reviews

Transactions that fall outside of the agreed-upon limits may be temporarily held for manual review by our CoreX team. In some cases, we may contact your organization to request confirmation or additional context before releasing the transaction. To help ensure timely resolution, please provide a designated contact for time-sensitive transaction reviews.

ADDITIONAL DEPOSIT INFORMATION.

Any deposit made on a regular business day within the time frames stated below will be credited that day. If a deposit is made after the stated times, it will be credited on the next regular business day.

Deposits are credited on the same business day if received by the following times:

Before 4:30 p.m. Central Time by wire transfer

Before 8:00 p.m. Central Time through remote deposit capture (this applies to business accounts only