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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