The cutoff time depends on which financial institution your checking or savings account is with.

A payment from a U.S. Bank checking or savings account will show it was paid that same day, if it’s made before:

• 6 p.m. local time* on business days.
• 8 p.m. CT on non-business days.

A payment from an external checking or savings account will show it was paid that same day, if it’s made before 7 p.m. CT. This includes business and non-business days.

*Local time refers to the time zone in which the payment account was opened.

More information

Please be aware if you’re in a different time zone than where your account was opened, this will affect your cutoff time. For example, you’re in Minneapolis and need to make your credit card payment. You want to use your U.S. Bank checking account opened in Seattle. Based on this information, the cutoff time is based on PT, not CT where you’re at.

See also: When will the funds be available on my credit card after I make a payment?