Deterministic ET cutoff + US business day rules.
Have a question about how the tool works, spotted a cutoff time that looks wrong, or want to discuss a partnership? We read every message and aim to respond within 2–3 business days. This is an informational planning tool — we’re not able to confirm your bank’s official deadlines or advise on individual transactions, but we’re happy to hear about data issues or general feedback.
For sponsorship inquiries, partnership proposals, or media requests, reach out directly:
If you believe a cutoff time in the tool is outdated or incorrect for your bank and transfer type, send us the bank name, transfer type, and the cutoff window you’re seeing from your bank’s documentation. We review all submissions and update the tool’s data when a correction is verified.
Note: We do not provide financial advice. This site is an informational planning tool.