As our world gets closer to real-time payments, we would like to let you know there is now a 3rd Same-Day ACH window that will occur daily at 4:30 p.m. This means that electronic debits and credits may process through your account later in the day than they have in the past. These debits and credits should not present outside of the anticipated dates set between your vendor and you, but may present later in the day than you are accustomed. If an item comes in late in the day, we will watch for online banking transfers, night drop deposits and early morning transactions as we monitor overdrafts. We can also help you set up an account sweep from a savings account or line of credit to cover any unanticipated debit transactions. Feel free to contact us at 800-421-2588 if you have any questions or need assistance in setting up overdraft protection on your accounts.