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Check out the charts below to see our cutoff times and the availability of your funds. Depending on whether the payment is coming from an account with U S. Bank or not. Payments made from U. S. Bank accounts:
| Payment Method | Due Date Falls On | Cut Off Time | Funds Available |
| Digital banking | Business day | 6 p.m. local time* | Next business day |
| Non-business day | 8 p.m. CT | Two business days | |
| Phone (with Cardmember Service) | Business day | 7 p.m. CT | Next business day |
| Non-business day | 7 p.m. CT | Two business days | |
| Phone (with 24-Hour Banking) | Business day | 6 p.m. local time* | Next business day |
| Non-business day | 8 p.m. CT | Two business days | |
| Branch (with a teller) | Business and non-business days |
Branch closing time** (varies by location) |
One to two business days |
Payments made from Non-U.S. Bank accounts:
| Payments Made Through | Due Date Falls On | Cut Off Time | Funds Available |
| Digital banking | Business day | 7 p.m. CT | Next business day |
| Non-business day | 7 p.m. CT | Two business days | |
| Phone (with Cardmember Service) | Business day | 7 p.m. CT | Next business day |
| Non-business day | 7 p.m. CT | Two business days | |
| Branch (with at teller) | Business and non-business days | Branch closing time** (varies by location) | One to two business days |
Additional information
After making your payment, the funds are normally available for use one to two (1-2) business days later. If your money doesn’t appear where you expected it to, give us a call so we can check your account. You can reach us at 800-285-8585 or the number on the back of your card.
* The time zone in which the payment account was opened is referred to as local time. **Branch closing times vary by location. For information on operating hours, please contact your local branch or visit us online at usbank.com. com for locations and hours.
FAQ
How long does it take for available credit to show after payment?
The money will normally be available for use one to two (1-2) business days after the payment is received.
Why is my available credit not going up after payment?
When you make payments on your account, an open-end credit card or other loan type modifies the amount of credit that is available within your credit limit. Nonetheless, the bank determines when to replenish the available credit, and under some conditions, a bank may postpone doing so.
How long does it take credit one to post a payment to available credit?
Depending on the method of payment and the time of day, Credit One Bank’s processing time for a payment can range from less than a day to seven days. Paying online before 2 p. m. PT will lead to the fastest payment processing times.
How long does it take credit card payment to be available?
What is the average processing time for a credit card payment? Payments from the customer’s card, through the bank, and into your account typically take two to four business days. In other words, if you process a payment on Friday, the money will reach your account on Tuesday.
Read More :
https://www.helpwithmybank.gov/help-topics/credit-cards/payments/making-payments/making-payments-available.html
https://www.usbank.com/customer-service/knowledge-base/KB0069625.html