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Digital Banking Cutoff Times

The Digital Banking business day* cutoff times are as follows:

  • Online transfers between Heritage Bank accounts: 7:00 pm
  • Online payments to Heritage Bank loans: 7:00 pm
  • Online transfers to/from external bank accounts: 2:55 pm
    • This includes ePay Bill Pay, SPIN, & B2B
  • Mobile Deposit: 6:00 pm
  • ATM deposits- when using a debit card and/or a live teller: 6:30 pm
  • Merchant Capture/ Web Remote Deposit Capture: 4:30 pm
  • Payroll file/ACH file uploads: 4:45 pm
  • Wire transfers submitted by business customers through digital banking: 4:00 pm (we encourage wires are entered as early as possible to ensure accuracy)

*Business days are Monday – Friday except Federal holidays. All times listed are Central Standard Time (CST).