---
title: When will my transfer start earning returns?
description: Transfers before 2:00 PM CLT start earning returns the same day. Later transfers are processed next business day and start earning returns once cleared.
---

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November 3, 2026

# When will my transfer start earning returns?

## Transfers start earning returns once processed

Transfers received before 2:00 PM CLT on a business day are processed the same day and begin earning returns immediately. Transfers received after the cut-off appear as **Cash in Transit** and are processed on the next business day. Returns begin accruing once the transfer is processed.

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