What's the cut-off time for internal money transfers in digital banking?

We know being able to quickly transfer your money is important. Transfer cut-off times made from an internal account can vary depending on the account type. When transferring to or from your U.S. Bank account same business day transfers cut-off times 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
  • 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 opened.