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Justin State Bank
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Cut-Off Times

All times listed below are listed as Central Standard Time (CST).

We also encourage you to review and take note of holiday hours as ACH and Wire transactions are not processed on federal holidays.

Online Banking
  • Account Transfers 7:00 PM

Bill Pay
  • Bill Pay items are processed at 7:00 AM and 2:00 PM each business day.
  • Payments submitted after the 2:00 PM cut-off will be processed at 7:00 AM on the next business day.

Remote Deposits
Remote deposits may be reviewed for approval before crediting your account. 
  • Remote Deposit Capture merchant deposits 6:00 PM*
  • Check Deposit via Mobile App 6:00 PM*
*Deposits after 4:00 PM may be credited on the following business day if a deposit exception occurs. 

Wire Transfers
  • Domestic 4:00 PM
  • International 3:00 PM
  • Treasury Solutions Wires are processed four times each business day at the following times:
    • 10:00 AM
    • 12:00 PM
    • 2:00 PM
    • 4:00 PM

ACH Origination
  • File submissions 4:00 PM
  • Same Day ACH Origination 1:30 PM (Contact us for more details. A charge may apply for this expedited payment service.)

Positive Pay Exception Review
  • Check items 7:00 AM - 11:00 AM
  • ACH items 7:00 AM - 11:00 AM