| File Type | Submit By (ET) | Settlement Time (ET) |
|---|---|---|
| Outgoing Checks | 6:30 a.m. | 8:30 a.m. |
| Outgoing Returns | 12:30 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 Business Day 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.