Deterministic ET cutoff + US business day rules.
Pick a bank and transfer type, then enter the date and time (Eastern Time). The tool returns whether it should process today or on the next business day.
Disclaimer: This is an informational tool using common cutoff windows and US federal holidays (observed). Banks and channels may differ. If you need certainty, submit earlier.
You pick a bank and transfer type, enter the date and time you plan to submit, and the tool tells you whether your transaction would likely process that same business day or roll to the next one. Every answer is based on that specific bank's cutoff time for that specific transfer type — not a one-size-fits-all rule.
ACH transfers and wire transfers have different cutoffs at the same bank. A standard ACH submission to Chase has a 4:00 PM ET cutoff, while a domestic wire at Chase also cuts off at 4:00 PM ET. At Bank of America, the ACH standard cutoff is 5:00 PM ET but the wire cutoff is also 5:00 PM ET. These differences matter when you're deciding how to send a payment.
The tool also checks whether the resulting processing date falls on a weekend or a U.S. federal holiday. If it does, the date moves forward to the next business day.
You're submitting a standard ACH payment through Chase. The cutoff for Chase ACH Standard is 4:00 PM ET.
The cutoff time alone doesn't determine the result — the date also has to be a business day. A submission that beats the cutoff but lands on a weekend or holiday still rolls forward.
Two conditions must both be true for same-day processing: the submission time must be before the bank's cutoff for that transfer type, and the submission date must be a business day.
If either condition fails — you missed the cutoff, or it's a weekend/holiday — the transaction rolls to the next business day after the cutoff. The tool finds that next business day by skipping weekends and all 11 observed U.S. federal holidays.
At exactly the cutoff time, the transaction is treated as after the cutoff. For example, if Chase's ACH Standard cutoff is 4:00 PM ET and you submit at 4:00 PM exactly, the tool treats that as missed — submit at least one minute before the cutoff to be safe.
When you select a bank and transfer type, the tool looks up the cutoff time stored for that specific combination. It compares your submitted time (in ET) against that cutoff, then checks whether the date is a business day.
ACH Standard — uses the bank's daily ACH submission window. Standard ACH batches are processed overnight, so the cutoff is typically mid-to-late afternoon.
ACH Same Day — uses the bank's same-day ACH cutoff, which aligns with Nacha's same-day settlement windows. This cutoff is typically 15–45 minutes later than the standard ACH cutoff at the same bank, because Nacha provides an additional processing window for same-day entries. For example, Chase's standard ACH cutoff is 4:00 PM ET while its same-day ACH cutoff is 4:45 PM ET, reflecting the later Nacha window.
Wire (Domestic) — uses the bank's Fedwire cutoff. Fedwire operates in near-real-time during business hours, but each bank sets its own deadline for accepting outgoing wires. Wire cutoffs are often earlier than ACH cutoffs at the same bank because wires require manual settlement steps. Note that cutoffs can vary by account type — for example, Chase consumer online wires typically cut off at 4:00 PM ET, while Chase business accounts may allow submission until 6:00 PM ET.
After the cutoff comparison, the tool applies business-day logic: weekends (Saturday–Sunday) and all 11 observed U.S. federal holidays are excluded. If the result lands on a non-business day, it moves forward day by day until it reaches a valid business day.
The cutoff times in this tool are generalized estimates, not guaranteed values from official bank documentation. They reflect commonly cited cutoff windows for consumer and small-business online submissions at major U.S. banks.
Same-day ACH cutoffs are based on Nacha's same-day settlement window principles, with realistic offsets (typically 15–45 minutes after the standard ACH cutoff at each bank). These offsets are estimates — actual same-day ACH deadlines may differ.
Wire cutoffs vary by account type and submission channel. For example, Chase consumer online wires typically cut off at 4:00 PM ET, while business accounts may have a 6:00 PM ET deadline. Wells Fargo lists 3:00 PM PT (6:00 PM ET) for domestic wires. The values in this tool use conservative consumer/SMB deadlines where possible.
Banks frequently adjust cutoffs by account type, submission channel (online vs. in-branch vs. API), customer relationship tier, and region. If you need a confirmed cutoff, check your bank's website or call their support line directly. This tool is for quick planning estimates, not time-critical decisions.
Use this tool for planning. Verify deadlines directly with your bank when timing matters.
All cutoffs are evaluated in Eastern Time (ET). Enter your transaction time as ET regardless of your local time zone.
v1 includes 10 major U.S. banks: Chase, Bank of America, Wells Fargo, Citi, U.S. Bank, PNC, Capital One, TD Bank (US), Truist, and Ally.
No. The cutoff times in this tool are generalized estimates for online consumer/SMB submissions, not values sourced from official bank documentation. Banks may set different cutoffs by account type, channel (online vs. in-branch), product, or customer relationship tier. Always verify critical deadlines directly with your bank.
A business day is Monday through Friday, excluding all 11 U.S. federal holidays (observed). If a fixed-date holiday falls on a weekend, the observed day (nearest weekday) is used.
No. All calculations run entirely in your browser. Nothing is sent to any server.