---
title: What are the cut-off times and limits to my account?
description: Last updated 10/20/2025   Cut-off times for Banking Services 1:00 PM EST for same-day ACH. 5:00 PM EST for mobile deposits, desktop remote deposit capture, next-day ACH, bill pay, stop payment, and wi
---

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# What are the cut-off times and limits to my account?

### **Panacea Digital Cut-Off Times and Limits**

***Last updated 10/20/2025***

**Cut-off times for Banking Services**

1:00 PM EST for same-day ACH.

5:00 PM EST for mobile deposits, desktop remote deposit capture, next-day ACH, bill pay, stop payment, and wires. 

4:00 PM EST for expedited bill pay. 

 

**Limits for Banking Services**

![](https://help.panaceafinancial.com/hs-fs/hubfs/Screenshot%202025-10-14%20at%2010-00-05%E2%80%AFAM-png.png?width=361&height=259&name=Screenshot%202025-10-14%20at%2010-00-05%E2%80%AFAM-png.png) ![](https://help.panaceafinancial.com/hs-fs/hubfs/Screenshot%202025-10-14%20at%2010-04-29%E2%80%AFAM-png.png?width=364&height=197&name=Screenshot%202025-10-14%20at%2010-04-29%E2%80%AFAM-png.png)

 

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