When Your Deposits, Transfers and Payments Will Be Available
We want you to know when your money is available for you to use.
Knowing when different types of deposits are available for you to use may help you better manage your account. Once the funds from your deposits become available, you can withdraw them in cash and we will use them to pay checks you have written and cover other types of payments you made.
| Type of Deposit | When Your Funds are Available |
| Same business day that we receive the deposit |
| First business day after the day we receive the deposit |
Note: In some cases, check deposits may be subject to deposit holds which further delay availability of funds. If we place a deposit hold on your checks deposited, we will notify you at the time you make your deposit. Please refer to our Business Deposit Account Agreement for more information.
Daily Cutoff Times - Business
The chart below includes our daily cutoff times based on how you make your deposit, transfer or payment. When you make a transaction before the cutoff time it will be processed on the same business day. All times shown are Eastern Time (ET).
| How You Make Your Transaction | Daily Cutoff Time |
| Direct Deposits | 9:00 PM |
| Customer Care Center (account transfer) | 8:00 PM |
| Branch | Varies (check with your local branch) |
| ATM | 4:00 PM |
| Domestic Wire Transfer | 5:00 PM |
| International Wire Transfer | 4:30 PM |
| Mobile Check Deposit | 7:00 PM |
| Remote Deposit Capture | 5:00 PM |
| Internal Transfer1 (Online/Mobile Banking) | 6:00 PM |
| Business Online Bill Payments | 4:00 PM |
Disclosures
1Transfers initiated through AUB’s online and mobile banking platforms to another AUB deposit or loan account.
Additional resources
How else can we help?
Helping businesses grow since 1902
We’re a regional bank that offers financial strength, industry-specific expertise and a full suite of commercial banking, treasury and wealth management solutions to help you and your business grow. Our business model is built on fostering long-term relationships with customized solutions and access to local decision makers.