What Time Does My Money Transfer Into My USA Bank Account?

Updated on June 4, 2020
James Paterson profile image

I love to research new ways to save money (or to make extra money) and share what I find with my readers.

When Does My Bank Account Update?

If all banks updated customer accounts at the same time, it would be so much easier on everyone. We would all know where we stand and what time we could get ahold of our money.

Unfortunately, banks don't share a uniform time to update our accounts. Depending upon where you bank, account updates take place at some point late at night or very early in the morning.

What Time Do Transfers or Deposits Go Through?

In this article, you'll learn:

  • The windows of time when banks make funds available
  • Specific time ranges for 20 major banks, from Bank of America to Wells Fargo
  • Why your money isn't available right away
  • Why you may not be able to access your account at certain times

Deposits Are Available for Withdrawal at Varying Times

Remember: These times in the table below are approximate and can be subject to fluctuation. Times can also vary on a state-by-state basis.

Update Time
Bank of America
Between 4 a.m. and 6 a.m.
Bank of New York Mellon Corp.
Between 2 a.m. and 5 a.m.
Central National Bank
Between 1 a.m. and 4 a.m.
Citigroup Inc.
Between 2 a.m. and 4 a.m.
Fifth Third Bancorp.
Between midnight and 3 a.m.
First American Bank
Between 2 a.m. and 5 a.m.
Goldman Sachs Group
Between 1 a.m. and 4 a.m.
HSBC North America Holdings Inc.
Between midnight and 2 a.m.
JP Morgan Chase
Between 3 a.m. and 5 a.m.
Metlife Inc.
Between 2 a.m. and 5 a.m.
Morgan Stanley
Between midnight and 2 a.m.
Northern Trust Corp.
Between midnight and 3 a.m.
PNC Financial Services Group
Between midnight and 3 a.m.
Regions Financial Corp.
Between midnight and 3 a.m.
State Street Corp.
Between 2 a.m. and 5 a.m.
Taunus Corp.
Between 1 a.m. and 4 a.m.
TD Bank
Between midnight and 3 a.m.
UnionBanCal Corp.
Between 2 a.m. and 5 a.m.
U.S. Bancorp
Between midnight and 3 a.m.
Wells Fargo
Between midnight and 3 a.m.
Banks vary in terms of when they record deposits and make funds available.
Banks vary in terms of when they record deposits and make funds available. | Source

Why Isn't My Money Available Immediately?

Everyone knows the day that they get paid. The truth is that your employer actually transfers your earnings into your bank account around two weeks before your actual payday, with instructions about which day it should be paid into your account. This ensures that your money goes into your account on the right day and time.

Some Banks Hold Your Money Longer Than Others

Depending upon where you bank, your money could be in your account on the stroke of midnight on payday, or it could be there after 9 a.m. Some banks just like to hold on to your money for as long as they possibly can. Wells Fargo actually processes quickly, with accounts updated around midnight in most states.

Accounts Are Updated Every Night

Banks update their customer accounts every night, whether they have money coming in or going out. If you do your banking on the Internet, you will have possibly noticed that you are unable to access your account certain times at night. This is when your bank is updating the account. As soon as the bank has finished updating accounts, any money in your account is available to be withdrawn if you have access to that bank's ATM.

Bank accounts are updated overnight so that you can get your money in the morning.
Bank accounts are updated overnight so that you can get your money in the morning. | Source

Are You Happy With When Your Bank Updates Your Account, or Would You Like Your Money Earlier?

See results

This article is accurate and true to the best of the author’s knowledge. Content is for informational or entertainment purposes only and does not substitute for personal counsel or professional advice in business, financial, legal, or technical matters.

© 2013 James Paterson


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    • profile image

      Sherell Wilson 

      2 months ago

      Add Comerica Bank and Chase Bank to the list.

    • profile image


      4 months ago

      This info. Has been extremley helpfull and im glad to know that its avliable to the public to view. Thank you.

    • profile image


      4 years ago

      Can u add Kentucky bank to ur list

    • profile image


      5 years ago

      Add main street community bank please.

    • profile image


      5 years ago

      Add capitol one 360 banking

    • Jesse Schenck profile image

      J.J. Schenck 

      6 years ago from Arizona

      The rule for ACH credits is "available to the Receiver by open of business or 9am, whichever is later" if the Entry was received before 5pm the previous banking days. "Open of business" includes ATMs, so for most banks 9am is the effective deadline. This timeline applies to PPD credits, which include payrolls and Federal benefits. I like your Update Times table - it shows that big banks are consistently hours early!


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