Your cut-off time for lobby transactions cannot be before 2:00 PM.
Sec. 229.19 Miscellaneous.
(a) When funds are considered deposited. For the purposes of this subpart--
[Abridged]
(5) Funds may be considered deposited on the next banking day, in the case of funds that are deposited--
(i) On a day that is not a banking day for the depositary bank; or
(ii) After a cut-off hour set by the depositary bank for the receipt of deposits of 2:00 p.m. or later, or, for the receipt of deposits at ATMs, contractual branches, or off-premise facilities, of 12:00 noon or later.
(ii) After a cut-off hour set by the depositary bank for the receipt of deposits of 2:00 p.m. or later, or, for the receipt of deposits at ATMs, contractual branches, or off-premise facilities, of 12:00 noon or later.
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In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.
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