Certain transactions you make to your checking accounts after the business day cut-off and before midnight* are included in the balance we use to pay transactions that night. This process may impact when fees apply to your accounts. The credits can help you avoid overdrafts, returned items and related fees. However, the debits may cause you to incur overdrafts, returned items and related fees.
The After Business Day Cut-off transaction deadline is based on the state where you opened your account and is listed in the table below:
After Business Day Cut-off Transaction Deadline:
|State Where Account Was Opened*||After Business Day |
|AR,AZ,CA,IA,ID,IL,IN,KS,MI,MO,NM,NV,OK,OR,TX,WA||11:59 PM Central Time|
|CT,DC,DE,FL,GA,MA,MD,ME,NC,NH,NJ,NY,PA,RI,SC,TN,VA||11:59 PM Eastern Time|
*may not be midnight local time in some states.
The following credit transactions increase your balance used to pay transactions that night: cash deposited at an ATM or at a banking center, and transfers to your account from another Bank of America deposit account made at an ATM, at a banking center, through Online Banking or through Customer Service.
The following debit transactions reduce your balance used to pay transactions that night: cash withdrawals made at an ATM or at a banking center, and transfers from your account made at an ATM, at a banking center, through Online Banking or through Customer Service. To maintain a positive balance you need to ensure you have adequate funds in your account or in an account you linked for overdraft protection. Learn more about Overdraft Protection to cover these transactions.
The table below shows how transactions you make affect the balance we use to pay transactions, and the date that a transaction will appear on your account statement.
|Transaction Completed||Included in Balance |
used to Pay
|Before today's Business Day Cut-off||Yes||Today's Date|
|AFTER today's Business Day Cut-off and BEFORE midnight*||Yes||Our Next Business Day|
|Midnight or after*||No||Our Next Business Day|
*may not be midnight local time in some states, see After Business Day Cut-off Transaction Deadline table.
The 2nd row in the table above illustrates that transactions made between Business Day Cut-off and midnight are included in your balance used to pay transactions that night but post to your account on our next business day.