Bank Cutoff Checker

FAQ

What does "cutoff time" mean?

A cutoff time is the latest time a bank generally accepts a transfer instruction for same-day processing. If you submit after the cutoff, processing typically shifts to the next business day.

What time zone does the tool use?

All cutoffs are evaluated in Eastern Time (ET). Enter your time as ET.

What counts as a business day?

Business days exclude weekends and US federal holidays (observed).

Which banks are included?

v1 includes 10 major U.S. banks: Chase, Bank of America, Wells Fargo, Citi, U.S. Bank, PNC, Capital One, TD Bank (US), Truist, Ally.

Is this "official" for my account?

No. Banks can vary cutoffs by channel, product, and customer type. This tool uses common cutoff windows intended for quick planning. If you need certainty, submit earlier.

Do you store my input?

No. The calculator runs entirely in your browser. No accounts. No stored user data.