Our business days are Monday through Friday. Transactions received on Saturdays, Sundays, Federal Holidays, and after the cutoff times listed below will be posted on the next business day.
Deposits
For more information, please see our Funds Availability Statement
| Type | Cutoff Time (Central) |
|---|---|
| ATM Deposit |
5:00 pm
Funds will generally be available the next business day.
|
| Mobile Deposit |
5:00 pm
Funds will generally be available the next business day.
|
|
Teller Deposit
|
5:00 pm
Funds will generally be available the next business day.
|
| Remote Deposit Capture |
5:00 pm
Funds will generally be available the next business day.
|
Transfers
Transfers refer to transfers made within CNB St. Louis Bank's digital banking system.
| Type | Cutoff Time (Central) |
|---|---|
| Transfer to another CNB Account |
5:00 pm
Funds will be available as scheduled.*
|
| Transfer to an External Account |
4:30 pm
Funds will generally be received by the other financial institution within 4-5 business days
|
| Pay People P2P (Person-to-Person) Transfer |
5:00 pm
Recipient will receive the funds 1-3 business days after accepting the payment.
|
| Popmoney® P2P (Person-to-Person) Transfer |
9:00pm
Funds will be debited from your account on the same day if sent prior to the cutoff time
|
*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.
Wires
| Type | Cutoff Time (Central) |
|---|---|
| Online Domestic Wire Transfer |
3:00 pm
Funds will generally be received by the recipient's financial institution on the same business day.
|
| In-Branch Domestic Wire Transfer |
3:00 pm
Funds will generally be received by the recipient's financial institution on the same business day.
|
| In Branch International Wire Transfer |
3:00 pm
Funds will generally be received by the recipient's financial institution within 1 business day, but could take up to 30 days.
|
Bill Pay
| Type | Cutoff Time (Central) |
|---|---|
| Online Banking Bill Payment |
5:00 pm
Payment will be applied as scheduled.*
|
| Pay People P2P (Person-to-Person) Payment |
5:00 pm
Recipient will receive the funds 1-3 business days after accepting the payment.
|
| Popmoney® P2P (Person-to-Person) Payment |
9:00pm
Funds will be debited from your account on the same day if sent prior to the cutoff time
|
*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.