The internal money transfer cut-off times for the same business day are as follows:

• Checking, savings and reserve lines: 12 a.m. local time
• Checking or savings payments to a first mortgage: 4:30 p.m. CT
• DepositPoint: 9:00 p.m. CT
• All other accounts: 6:00 p.m. local time

Transactions made on weekends, holidays or after midnight local time will be processed on the next business day. Local time refers to the location where your account was originated.