---
title: Cutoff Times
slug: cnb/cutoff-times
description: Learn about the timing and batching processes for payment methods in this document. Find out when payments can be submitted, the processing intervals, and important submission deadlines. 
docTags: 
createdAt: 2022-10-21T21:32:30.000Z
---

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.

:::hint{type="warning"}
**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.