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

Updated on June 30, 2016

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 morning. See below for the window of time when your bank makes funds available.

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

Deposits Available for Withdrawal for Most Banks

Bank
Time Accounts Update
Bank of America
Between 4 a.m. and 6 a.m.
JP Morgan Chase
Between 3 a.m. and 5 a.m.
Citigroup, Inc.
Between 2 a.m. and 4 a.m.
Wells Fargo
Between midnight and 3 a.m.
Goldman Sachs Group
Between 1 a.m. and 4 a.m.
Metlife, Inc.
Between 2 a.m. and 5 a.m.
Morgan Stanley
Between midnight and 2 a.m.
Taunus Corp.
Between 1 a.m. and 4 a.m.
U.S. Bancorp
Between midnight and 3 a.m.
HSBC North America Holdings Inc.
Between midnight and 2 a.m.
Bank of New York Mellon Corp.
Between 2 a.m. and 5 a.m.
PNC Financial Services Group
Between midnight and 3 a.m.
State Street Corp.
Between 2 a.m. and 5 a.m.
TD Bank
Between midnight and 3 a.m.
UnionBanCal Corp.
Between 2 a.m. and 5 a.m.
Fifth Third Bancorp.
Between midnight and 3 a.m.
Northern Trust Corp.
Between midnight and 3 a.m.
Regions Financial Corp.
Between midnight and 3 a.m.
First American Bank
Between 2 a.m. and 5 a.m.
Central National Bank
Between 1 a.m. and 4 a.m.
These times are approximate and can be subject to fluctuation. Times can also vary on a State by State basis.
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

Why Isn't Money Available Immediately?

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

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 nine 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.

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 possibly have 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.

Your Bank

Are you happy with when your bank updates your account or would you like your money earlier

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Comments

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    • profile image

      robert 

      2 years ago

      Can u add Kentucky bank to ur list

    • profile image

      Dennis 

      3 years ago

      Add main street community bank please.

    • profile image

      Stacey 

      3 years ago

      Add capitol one 360 banking

    • Jesse Schenck profile image

      J.J. Schenck 

      4 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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