Cutoff Times
This guide outlines the submission windows, processing times, and bank receipt dates for all supported payment methods using CNB Pay .
ACH Payments
Submission Window | Bank Receive Date | Processing /Scoop Times |
|---|---|---|
3:10 AM – 5:50 PM | Same Business Day | 9 am, 11 am, 2 pm, 4 pm, 5 pm, 6 pm |
After 5:50 PM | Next Business Day | 9 am, 11 am, 2 pm, 4 pm, 5 pm, 6 pm |
*All times in Pacific
OCP - Check Print
Submission Window | Bank Receive Date | Processing /Scoop Times |
|---|---|---|
3:10 AM – 5:50 PM | Same Business Day | Processed End of Day; Mailed Next Business Day |
After 5:50 PM | Next Business Day | Processed End of Day; Mailed Following Business Day |
*All times in Pacific
Domestic Wires
Submission Window | Bank Receive Date | Processing /Scoop Times |
|---|---|---|
3:15 AM – 2:40 PM | Same Business Day | Same Day Processing |
After 2:35 PM | Next Business Day | Next Business Day Processing |
After 2:35 PM on Friday | Held Over Weekend | Next Business Day Processing |
*All Times in Pacific
International Wires (USD)
Payments support Business USD/FX and Consumer USD only.
Submission Window | Bank Receive Date | Processing /Scoop Times |
|---|---|---|
3:10 AM – 2:10 PM | Same Business Day | Same Day processing |
After 2:10 PM** | Next Business Day | Next Day Processing Cutoff Time |
t*All Times in Pacific.*
*Applies to Consumer/Business accounts USD only. Business Accounts FX sent after 2:10 pm will be rejected by EASI Link.
IMPORTANT:
CNB Wire Room Release Deadlines
- Consumer account USD: transactions not released via EASI Link by 1:55 PM are rejected.
- Business accounts USD/FX: transactions not released via EASI Link by 2:30 PM are rejected.
International Wires (FX)
Submission Window | Bank Receive Date | Processing / Scoop Times |
|---|---|---|
3:10 AM - 2:10 PM | Same Business Day | Day +1 (MXN, CAD), Day +2 (all other countries) |
After 2:10 PM | Payment rejected | Must resubmit the transaction again on the next business day. |
*All Times in Pacific.
Account Transfer Business Rules
Submission Window | Bank Receive Date | Processing Times |
|---|---|---|
3:00 AM – 11:00 PM | Same Business day – Monday through Saturday | Same Day processing |
After 11:00 PM | Transfers will be rejected — Monday through Saturday | Will have to enter the transfer again on the next business day |
*All Times in Pacific.
Positive Pay Issues
Submission Window | Bank Receive Date | Processing Times |
|---|---|---|
By 7:50 PM | Same Business day | End-of-Day processing |
After 7:50 PM | Next business day | End-of-Day processing |
t*All Times in Pacific.