EFT Cut-Off Times

EFT Cut-Off Times

EFT payments operate on three distinct payment windows, each with its own specific cut-off time that dictates when the payment will be processed. Payments submitted before the cut-off time for a particular window will be processed within that window. However, if a payment is submitted after the cut-off, it will be processed in the next available window. Any payments submitted after the last cut-off time will be processed on the next business day.

DescriptionDeadline to receive the transactionTransaction submission for processing
1st payment window6:00 am EST7:00 am EST
2nd payment window1:00 pm EST2:00 pm EST
3rd payment window6:00 pm EST7:00 pm EST