Yes, we want you to be able to pay your credit card whenever it’s convenient for you. Feel free to make your payment anytime before on on the due date.

So that your payment shows on-time and for the day you submit it, you’ll need to pay the minimum amount due before the cutoff time. The following cutoff times apply if you pay by phone, online, or mobile banking.

• Payments made from a U.S. Bank checking/savings account must be received by 6 p.m. local time*.
• Payments made from a non-U.S. Bank checking/savings account must be received by 7 p.m. CT.

*Local Time: For example, if the checking/savings account was opened in New York, the cutoff is based on Eastern Time (ET). This time zone applies even if your payment is made in California, Pacific Time (PT).