|Bank||Direct Deposit Time|
|Bank of America||Same day|
|BB&T||Between 12 a.m. and 6 a.m. (EST)|
|BBVA||Same business day|
|BECU||Between 12 a.m. and 2 a.m. (PST)|
What time does direct deposit hit Bank of America?
TransfersTransfer funds between your Bank of America accounts or to other Bank of America customers using their account number.
|Recipient account||Fund Availability|
(credit card, charge card, business line of credit, installment loan or mortgage accounts)
|11:59 p.m. ET on a bank business day for same-day credit.|
(checking, savings, money market accounts)
|All transfers are credited immediately.
When will it show in my transaction history? layer
|Merrill Lynch, Pierce, Fenner & Smith investment accounts||4:45 p.m. ET on a bank business day for same-day credit.|
|Type of transfer||Fund Availability|
Registered Zelle recipient
|Funds are typically available within minutes1|
Unregistered Zelle recipient
|A hold will be placed on your account for the amount of the transfer; once your recipient has registered with Zelle or a network bank, it may take up to 2 business days for the first transfer to be credited to the registered account. If your recipient hasnât registered within 14 days, the transfer will be canceled and the funds will be returned to your account.
1 Sometimes, for your account security, we may need additional time to verify the transfer details. In this situation, a hold will be placed on your account for the amount of the transfer. You will be notified by email when the transfer is completed.
|Next-business-day and 3-business-day transfers*||8:00 p.m. ET for next-business-day or 3-business-day transfer. Funds will be received by the recipientâs bank either the next business day or within 3 business days.|
|Same-business-day domestic outbound transfers*||5:00 p.m. ET for same-business-day (wire) transfer. Funds will be received by the recipientâs bank on the same business day.|
|International outbound transfers*||
5:00 p.m. ET for international wire transfer. Sending customer will be informed when the funds will be available to the recipient at the time the transfer is scheduled.
|Payee type||Fund Availability|
|Bank of America Credit account
(Credit card, charge card, loan, line of credit)
|11:59 p.m. ET for same-day credit.|
|Bank of America Mortgage||For customers who pay with their Bank of America Checking or Savings account, 5:00 p.m. ET cutoff time gives you same-day credit|
|Bank of America Vehicle loans||For vehicle-loan-only customers, 3.30 p.m. ET cut off times gives you same day credit. For customers who pay with their Bank of America Checking or Savings account, 5:00 p.m. ET cutoff time gives you same-day credit.|
|Non Bank of America Billers||5:00 p.m. ET (cutoff time)|