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File TypeSubmit By (ET)Settlement Time (ET)
Outgoing Checks6:30 a.m.8:30 a.m.
Outgoing Returns12:30 a.m.8:30 a.m.
Incoming Checks—8:30 a.m. / 1:00 p.m. / 5:30 p.m.
Incoming Returns—8:30 a.m. / 1:00 p.m. / 5:30 p.m.
Next BusinessDay SettlementChecks drawn on Pacific Island banks — those with routing numbers beginning with 1214 or 3214 — always settle the next business day, regardless of submission time.