Important Times and Cut-off Times
WTB Online Services
| Type | Cut-off Time |
|---|---|
| Transfers (deposits, loan payments and loan advances) | 8:45pm PT |
| Stop Payment | 8:45pm PT |
ACH*
| Type | Cut-off Time |
|---|---|
| ACH Batch (Payments and Collections) | 5:00pm PT |
| ACH File Upload | 5:00pm PT |
| Same Day ACH Origination (First Window) | 6:30am PT - WTB Online 6:00am PT - Business Digital Banking |
| Same Day ACH Origination (Second Window) | 10:30am PT - WTB Online 10:00am PT - Business Digital Banking |
| Same Day ACH Origination (Third Window) | 12:30pm PT - WTB Online 12:00pm PT - Business Digital Banking |
Bill Pay
| Type | Cut-off Time |
|---|---|
| Bill Pay | (noon) 12:00pm PT |
Positive Pay
| Type | Cut-off Time |
|---|---|
| ARP Positive Pay (for checks) | 11:00am PT |
| Reverse Positive Pay (for checks) | 11:00am PT |
| Payee Positive Pay (for checks) | 11:00am PT |
| ACH Positive Pay (for ACH debits) | 11:00am PT - WTB Online 10:30am PT - Business Digital Banking |
| Positive Pay Issue File Import | 8:00pm PT - Business Digital Banking |
Wires
| Type | Cut-off Time |
|---|---|
| Wire Transfer (international U.S. Dollar-Denominated) | 1:30pm PT |
| Wire Transfer (Domestic) | 2:00pm PT |
Note: Requests submitted prior to the cut-off time will post the same business day. Those submitted after the cut-off time will post the next business day.
Exception items will generally be available by 7:00am PT.
* Subject to credit approval.
