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Cutoff Times for Deposits, Transfers and Payments

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Want to know when the funds from a check you deposit become available for your use? Or when funds you send by transfer are credited to another account? Find Cutoff and processing times for Mobile Check Deposit, Transfers and Bill Pay here.

Mobile Check Deposit

The cutoff time for Mobile Check Deposits are based off of the time zone in which the account was opened. Checks received by the following cutoff times on a business day are considered deposited on that day, and will usually be available the following business day.
Time ZoneCutoff and availability times
Eastern or CentralFunds deposited before on a business day will generally be available the next business day.
Mountain or Pacific∗Funds deposited before on a business day will generally be available the next business day.
*Note: This excludes accounts opened at financial centers in New Mexico, western Kansas, and the El Paso region in Texas where the cutoff time is

You will be notified if a hold is placed on any deposited funds.

Transfers

Transfer funds between your Bank of America accounts or to other Bank of America customers using their account number.
Recipient accountFund Availability
Credit accounts

(credit card, charge card, business line of credit, installment loan or mortgage accounts)

on a bank business day for same-day credit.
Deposit accounts

(checking, savings, money market accounts)

All transfers are credited immediately.

When will it show in my transaction history? layer

Merrill Lynch, Pierce, Fenner & Smith investment accounts on a bank business day for same-day credit.

Special Types of Transfers

Type of transferFund Availability
Zelle® transfers

Registered Zelle recipient



Funds are typically available within minutes1

Unregistered Zelle recipient

A hold will be placed on your account for the amount of the transfer; once your recipient has registered with Zelle or a network bank, it may take up to 2 business days for the first transfer to be credited to the registered account. If your recipient hasn’t registered within 14 days, the transfer will be canceled and the funds will be returned to your account.

 

1 Sometimes, for your account security, we may need additional time to verify the transfer details. In this situation, a hold will be placed on your account for the amount of the transfer. You will be notified by email when the transfer is completed.

Next-business-day and 3-business-day transfers* for next-business-day or 3-business-day transfer. Funds will be received by the recipient’s bank either the next business day or within 3 business days.
Same-business-day domestic outbound transfers* for same-business-day (wire) transfer. Funds will be received by the recipient’s bank on the same business day.
International outbound transfers*

for international wire transfer. Sending customer will be informed when the funds will be available to the recipient at the time the transfer is scheduled.

*Fees may apply these services. Please see your Online Banking Service Agreement for details.

Bill Pay

Payee typeFund Availability
Bank of America Credit Card accounts for same-day credit.
Bank of America MortgageFor customers who pay with their Bank of America Checking or Savings account, payments scheduled before on a business day gives you same-day credit
Bank of America Vehicle loansFor vehicle-loan-only customers, payments scheduled before on a business day gives you same day credit.
For customers who pay with their Bank of America Checking or Savings account, payments scheduled before on a business day gives you same-day credit.
Non Bank of America BillersPayments initiated before on a business day will be scheduled and begin processing on the same business day.

When will deposit accounts transfers show in my transaction history?

  • Funds transferred before 10:45 p.m. ET on a business day show the same day’s date in the transaction history
  • Funds transferred after 10:45 p.m., but before 11:59 p.m. ET, on a business day are included in the balance to pay transactions that night–but, they will show the next day’s date in the transaction history
  • Funds transferred on a Saturday, Sunday or bank holiday will show the next business day’s date in the transaction history