You will receive an online confirmation that the transfer is complete, along with a Reference Number, after you select the "Confirm Transfer" button. We use real-time account access, and therefore as soon as you confirm the transaction, it will process. Internal transfers, excluding credit card and mortgage payments, are immediate. Mortgage and credit card accounts, which will not reflect a transfer until the next business day because payments are only processed overnight for these two types of accounts. External transfers may take up to three days to post. We recommend visiting the Account Summary or History page to verify the transfer has taken place.

HELOCs operate on a monthly billing cycle, similar to a credit card. The minimum payment is calculated at the beginning of each cycle, and that payment is due before the next cycle begins.

For example, let's say your due date is the first of the month, and we are in the month of March. The payment amount is calculated at the end of the business day on March 1, and that payment must be paid in full before the end of business day on April 1. At the end of the day on April 1, a new payment amount is calculated and that payment must be paid in full before the end of business day on May 1, and so on.

If a payment is not made on time, any unpaid amounts from the previous cycle are added to the current cycle's minimum payment amount. There are multiple ways to find out your payment amount and due date. You will receive a billing notice every month stating the minimum payment amount and when it is due. This will be mailed to you unless you are enrolled in eDocuments. The amount due and next due date can also be verified by viewing your account online through Digital Banking or by contacting us.

No, Zelle® payments cannot be reversed.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact us for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle® through their bank or online banking, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately contact us to determine what options are available.