Need to know when your deposit funds will be available for use or when transferred funds will post to another account? Our cutoff and processing times are listed below for your convenience.
For additional information on Electronic Transfers and limitations, please review our EFT Notice.
DEPOSIT TYPE |
CUT-OFF TIME |
|---|---|
|
ATM DEPOSITS - DEBIT CARD CREDITS - P2P CREDITS |
3:00 PM CENTRAL TIME |
|
Funds deposited at a Centennial Bank ATM, credits received from debit card transactions, and transfers received from Person-to-Person payment apps to your account before 3:00 PM will be credited to your account and available for use on the same day. *P2P transfers tied to your deposit account and not your debit card are received as an ACH and credited accordingly. |
|
| ACH CREDITS | 4:30 PM CENTRAL TIME |
| ACH credits posted before 4:30 PM each business day will be available for use on the same day. | |
| ZELLE - ONLINE BANKING TRANSFERS -MOBILE DEPOSITS-ITM | 5:00 PM CENTRAL TIME |
| Credits to your account from Zelle, Online Banking transfers to loans or other internal deposit accounts, mobile check deposits, and deposits using the ITM (virtual teller feature), available on Centennial Bank ATMs, completed before 5:00 PM each business day will be available for use on the same day. | |
|
IN-BRANCH
|
4:00 PM CENTRAL TIME M-TH 5:00 PM CENTRAL TIME FR |
| Deposits made with cash or check at a Centennial Bank branch during branch hours are credited that day. You will be notified if a hold is placed on any deposited funds. See our Funds Availability Notice for more information. | |