Our business days are Monday through Friday.  Transactions received on Saturdays, Sundays, Federal Holidays, and after the cutoff times listed below will be posted on the next business day.  

Please Note: Special holiday hours can impact these cutoff times. Check our Holiday Hours page for more details.
For more information, please see our Funds Availability Statement
Type Cutoff Time (Central)
ATM Deposit
5:00 pm
Funds will generally be available the next business day.
Mobile Deposit
5:00 pm
Funds will generally be available the next business day.
Teller Deposit
5:00 pm
Funds will generally be available the next business day.
Remote Deposit Capture
5:00 pm
Funds will generally be available the next business day.
Transfers refer to transfers made within CNB St. Louis Bank's digital banking system.
Type Cutoff Time (Central)
Transfer to another CNB Account
5:00 pm
Funds will be available as scheduled.*
Transfer to an External Account
4:30 pm
Funds will generally be received by the other financial institution within 4-5 business days
*In some circumstances, you are able to schedule a transaction for a future date. When this option is available, the transfer or payment will be processed on the day you schedule it. 
Type Cutoff Time (Central)
Online Domestic Wire Transfer
3:00 pm
Funds will generally be received by the recipient's financial institution on the same business day.
In-Branch Domestic Wire Transfer
3:00 pm
Funds will generally be received by the recipient's financial institution on the same business day.
In Branch International Wire Transfer
3:00 pm
Funds will generally be received by the recipient's financial institution within 1 business day, but could take up to 30 days.

Type Cutoff Time (Central)
Online Banking Bill Payment
5:00 pm
Payment will be applied as scheduled.*
*In some circumstances, you are able to schedule a transaction for a future date. When this option is available, the transfer or payment will be processed on the day you schedule it.