The end of the business day varies by location, but these are the normal cut-off times:
Cash and Non-Cash Deposits at a Branch – Closing time or no earlier than 4 p.m.
Non-DepositSmart ATM – Noon local time (Some non-DepositSmart ATMs have later cutoff times. You can find the actual hours posted on the ATM.)
DepositSmart ATMs – 8 p.m.
Contact Center (automated) – 8 p.m. CT
Contact Center (agent assisted) – Close of business
Online & Mobile (bill payments and transfers) – 8 p.m.