Wire transfer cutoff times by bank (in ET)

The time a wire must be in to go out the same business day at major US banks, in ET, with each bank’s wire fee.

A domestic wire goes out the same business day only if your bank has it before its own wire transfer cutoff time. At the banks we checked that publish one, the cutoff for a same-day domestic wire runs from 2:00 PM ET (Capital One, online) to 6:45 PM ET (Citibank, online). The Federal Reserve’s own deadline for customer transfers on Fedwire is 6:45 PM ET.

Miss the cutoff and the wire waits for the next business day; weekends and Federal Reserve holidays do not count, and the next one is October 12, 2026. International wires usually have an earlier cutoff than domestic ones at the same bank.

Sources: each bank’s fee schedule, account agreement or wire help page, linked with its date on the bank’s page · Federal Reserve Financial Services: Fedwire operating hours · Checked on September 27, 2026; First Horizon Bank, Zions Bank, Associated Bank and Old National Bank checked on October 2, 2026; Bank OZK checked on October 4, 2026; Golden 1 Credit Union and SchoolsFirst FCU checked on October 7, 2026; America First Credit Union and Mountain America Credit Union checked on October 8, 2026; Security Service FCU and Global Credit Union checked on October 9, 2026

Banks converted from Central, Mountain or Pacific time are shown in ET: USAA, U.S. Bank, Wells Fargo, Frost, BMO, PenFed, Alliant, Zions Bank and Old National Bank state their times in their own zone.

What the cutoff means for you

1. Before the cutoff: the bank sends the wire the same business day, and a domestic wire usually arrives that day.
2. After the cutoff, or on a weekend or Fed holiday: it goes out the next business day.
3. International wires: most banks set an earlier cutoff, and the money can take days to arrive abroad.

Read more: how long do wire transfers take, international wire transfer fees, wire transfer not received, ACH vs wire transfer and all our bank comparison tables.