What time do banks do direct deposit

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Want to know when the funds from a check you deposit become available for your use? Or when funds you send by transfer are credited to another account? Find Cutoff and processing times for Mobile Check Deposit, Transfers and Bill Pay here.

The cutoff time for Mobile Check Deposits are based off of the time zone in which the account was opened. Checks received by the following cutoff times on a business day are considered deposited on that day, and will usually be available the following business day.

Time Zone	Cutoff and availability times
Eastern or Central	Funds deposited before 9:00 p.m. ET on a business day will generally be available the next business day.
Mountain or Pacific∗	Funds deposited before 8:00 p.m. PT on a business day will generally be available the next business day.

Transfer funds between your Bank of America accounts or to other Bank of America customers using their account number.

Recipient account	Fund Availability
Credit accounts (credit card, charge card, business line of credit, installment loan or mortgage accounts)	11:59 p.m. ET on a bank business day for same-day credit.
Deposit accounts (checking, savings, money market accounts)	All transfers are credited immediately. When will it show in my transaction history? layer
Merrill Lynch, Pierce, Fenner & Smith investment accounts	4:45 p.m. ET on a bank business day for same-day credit.

Type of transfer	Fund Availability
Zelle® transfers Registered Zelle recipient	Funds are typically available within minutes1
Unregistered Zelle recipient	A hold will be placed on your account for the amount of the transfer; once your recipient has registered with Zelle or a network bank, it may take up to 2 business days for the first transfer to be credited to the registered account. If your recipient hasn’t registered within 14 days, the transfer will be canceled and the funds will be returned to your account. 1 Sometimes, for your account security, we may need additional time to verify the transfer details. In this situation, a hold will be placed on your account for the amount of the transfer. You will be notified by email when the transfer is completed.
Next-business-day and 3-business-day transfers*	8:00 p.m. ET for next-business-day or 3-business-day transfer. Funds will be received by the recipient’s bank either the next business day or within 3 business days.
Same-business-day domestic outbound transfers*	5:00 p.m. ET for same-business-day (wire) transfer. Funds will be received by the recipient’s bank on the same business day.
International outbound transfers*	5:00 p.m. ET for international wire transfer. Sending customer will be informed when the funds will be available to the recipient at the time the transfer is scheduled.

Payee type	Fund Availability
Bank of America Credit Card accounts	11:59 p.m. ET for same-day credit.
Bank of America Mortgage	For customers who pay with their Bank of America Checking or Savings account, payments scheduled before 5:00 p.m. ET on a business day gives you same-day credit
Bank of America Vehicle loans	For vehicle-loan-only customers, payments scheduled before 3.30 p.m. ET on a business day gives you same day credit. For customers who pay with their Bank of America Checking or Savings account, payments scheduled before 5:00 p.m. ET on a business day gives you same-day credit.
Non Bank of America Billers	Payments initiated before 5:00 p.m. ET on a business day will be scheduled and begin processing on the same business day.

When will deposit accounts transfers show in my transaction history?

Funds transferred before 10:45 p.m. ET on a business day show the same day’s date in the transaction history
Funds transferred after 10:45 p.m., but before 11:59 p.m. ET, on a business day are included in the balance to pay transactions that night–but, they will show the next day’s date in the transaction history
Funds transferred on a Saturday, Sunday or bank holiday will show the next business day’s date in the transaction history