Unless we inform you otherwise, transactions will be posted to your account as follows:

• Transactions initiated before 9 a.m. Hawaii Time, 12 p.m. Pacific Time, 1 p.m. Mountain Time, and 2 p.m. Central Time will be effective that same day.
  Transactions initiated after 9 a.m. Hawaii Time, 12 p.m. Pacific Time, 1:00 p.m. Mountain Time, and 2 p.m. Central Time will be effective the next business day.
• Transactions initiated on a weekend or association holiday will be effective the next business day.
• ACH transactions will be completed within one to two business days after we have requested the transfer of funds through the electronic funds transfer system. The transaction is considered complete when the funds are deposited in the destination account you request.

A “business day” is every day except Saturdays, Sundays and holidays.