If you are using the 'Deposit Directly Online' feature, the transfer time depends on the sender.
Some senders are calibrated for overnight settlement and in those cases, the funds will be in your account the next morning.
Other senders are calibrated more securely and in those cases, the funds will be in your account 4 business days after the transaction was initiated.
The cutoff time for ACH batches is 5 pm EST.
Checks entered up until 5 pm EST will be processed in that day's batch.
Check entered after 5 pm EST will be processed the following business day.
i.e. A transaction initiated at 4 pm EST on Monday, will be credited to the recipients bank account on Friday.
*This is conditional to no mistakes being made on the recipient's side. If the recipient provides incorrect information, deposits the check incorrectly, etc., the transfer process shall/ become longer*