United Bank of Union Cutoff Times
Sometimes you may question exactly when your deposited funds will be available or when a transaction you make will be completed. Hopefully, this little chart will help.
Business Days
Our business days are Monday through Friday. Transactions received on Saturday, Sunday, and Federal Holidays will be posted on the next business day. The end of the United Bank of Union business day is 6:00pm CT.
Deposits
For more information, please see our Funds Availability Schedule.
| Type | Cutoff Time (Central Time) |
| ATM Deposit |
4:00pm. Funds will generally be available the next business day. |
| Mobile Deposit |
6:00pm. Funds will generally be available the next business day. |
| Teller Deposit |
6:00pm. Funds will generally be available the next business day. |
| Remote Deposit Capture |
4:00pm. Funds will generally be available the next business day. |
| Night Deposit | Night Deposits made after 8:00am will be processed the next business day. |
Transfers
Within United Bank of Union’s Digital Banking:
| Type | Cutoff Time (Central Time) |
| Transfer to another UBU Account |
6:00pm. If scheduled, funds will be available as scheduled* |
| Transfer to an External Account |
3:00pm. Funds will generally be received by the other financial institution within 4-5 business days. |
Wires
| Type | Cutoff Time (Central Time) |
| Domestic Wire Transfer |
3:00pm. Funds will generally be received by the recipient’s financial institution on the same business day. |
| International Wire Transfer |
11:00am. Funds will generally be received by the recipient’s financial institution within 1 business day, but could take up to 30 days. |
Bill Pay
Within United Bank of Union’s Digital Banking:
| Type | Cutoff Time (Central Time) |
| Online Banking Bill Payment |
9:00pm is Bill Pay cutoff. If you pay to Overnight a check, the cutoff is 2:45pm. Payment will be applied as scheduled* |
Loan Payments
For more information, please see our Conforming Loan Payment Notice.
*In some circumstances, you are able to schedule a transaction for a future date. When this option is available, the transfer or payment will be processed on the day you schedule it within the United Bank of Union system (such as Digital Banking).