> ## Documentation Index
> Fetch the complete documentation index at: https://docs.anchorage.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Wire withdrawal cut-off times at Anchorage Digital Bank

> Check when Anchorage Digital Bank wire withdrawals are processed the same day, on a best-effort basis, or the next business day.

export const CutoffTimeline = ({segments = [], title, timezone = "ET", days, label = title || "Cut-off timeline"}) => {
  const isDark = () => typeof document !== "undefined" && (document.documentElement.classList.contains("dark") || document.documentElement.getAttribute("data-theme") === "dark");
  const [dark, setDark] = useState(isDark);
  useEffect(() => {
    if (typeof document === "undefined") return;
    const read = () => setDark(isDark());
    read();
    const obs = new MutationObserver(read);
    obs.observe(document.documentElement, {
      attributes: true,
      attributeFilter: ["class", "data-theme"]
    });
    return () => obs.disconnect();
  }, []);
  const C = dark ? {
    surface: "#1B1E24",
    card: "#14161B",
    line: "#2C3038",
    ink: "#E8E9EC",
    ink2: "#9EA2AA",
    go: "#7C9DF8",
    goF: "#1B2742",
    warn: "#E0A946",
    warnF: "#3A2E16",
    off: "#6B707A",
    offF: "#24272E"
  } : {
    surface: "#F7F7F5",
    card: "#FFFFFF",
    line: "#E3E2DD",
    ink: "#23262D",
    ink2: "#666666",
    go: "#5681F6",
    goF: "#E8F2FD",
    warn: "#C98A12",
    warnF: "#FCF1DC",
    off: "#9A9A9A",
    offF: "#EFEFEC"
  };
  const vars = {
    "--ct-surface": C.surface,
    "--ct-card": C.card,
    "--ct-line": C.line,
    "--ct-ink": C.ink,
    "--ct-ink2": C.ink2,
    "--ct-go": C.go,
    "--ct-go-f": C.goF,
    "--ct-warn": C.warn,
    "--ct-warn-f": C.warnF,
    "--ct-off": C.off,
    "--ct-off-f": C.offF
  };
  const fmt = h => {
    const hh = Math.floor(h) % 24, mm = Math.round((h - Math.floor(h)) * 60);
    const ap = hh < 12 ? "AM" : "PM", h12 = hh % 12 === 0 ? 12 : hh % 12;
    return `${h12}:${String(mm).padStart(2, "0")} ${ap}`;
  };
  let start = 0;
  const segs = segments.map(s => {
    const seg = {
      ...s,
      pct: (s.until - start) / 24 * 100
    };
    start = s.until;
    return seg;
  });
  const css = `
.ct{border:1px solid var(--ct-line);border-radius:18px;background:var(--ct-surface);color:var(--ct-ink);padding:20px;margin:16px 0}
.ct,.ct *{box-sizing:border-box}
.ct-title{margin:0 0 14px;font-size:15px;font-weight:600;line-height:1.3}
.ct-days{display:flex;gap:6px;margin:0 0 16px;flex-wrap:wrap}
.ct-day{flex:1 1 0;min-width:36px;text-align:center;font-size:12.5px;font-weight:600;padding:6px 0;border-radius:8px;border:1.5px solid var(--ct-go);background:var(--ct-go-f);color:var(--ct-ink)}
.ct-day.off{border-color:var(--ct-line);background:var(--ct-off-f);color:var(--ct-ink2);font-weight:500}
.ct-track{height:18px;border-radius:9px;overflow:hidden;display:flex}
.ct-band{height:100%}
.ct-band.go{background:var(--ct-go)}.ct-band.warn{background:var(--ct-warn)}.ct-band.off{background:var(--ct-off)}
.ct-axis{position:relative;height:48px;margin-top:6px;font-size:11.5px;color:var(--ct-ink2)}
.ct-tick{position:absolute;top:0;white-space:nowrap}
.ct-tick::before{content:"";display:block;width:1px;height:6px;background:var(--ct-ink2);margin:0 0 3px}
.ct-tick.last{transform:translateX(-100%);text-align:right}.ct-tick.last::before{margin:0 0 3px auto}
.ct-tick.key{color:var(--ct-ink);font-weight:600;transform:translateX(-100%);text-align:right}
.ct-tick.key::before{margin:0 0 3px auto}
.ct-tick.row2::before{height:22px}
.ct-legend{display:grid;grid-template-columns:1fr;gap:8px;margin-top:10px}
.ct-seg{border:1.5px solid var(--ct-dot);background:var(--ct-fill);border-radius:12px;padding:10px 12px}
.ct-seg b{display:flex;align-items:center;gap:8px;font-size:14px;font-weight:600}
.ct-seg b::before{content:"";width:10px;height:10px;border-radius:3px;flex:0 0 10px;background:var(--ct-dot)}
.ct-seg span{display:block;margin-top:2px;font-size:12.5px;color:var(--ct-ink2);line-height:1.35}
@media (min-width:640px){.ct-legend{grid-template-columns:repeat(${segs.length},minmax(0,1fr))}}
`;
  const ticks = [0, ...segs.map(s => s.until)];
  return <div className="ct not-prose" style={vars} role="img" aria-label={`${label}: ${segs.map(s => `${s.label} ${s.caption || ""}`).join("; ")}`}>
      <style>{css}</style>
      {title && <p className="ct-title" aria-hidden="true">{title}</p>}
      <div aria-hidden="true">
        {days && <div className="ct-days">
            {days.map(d => <span key={d.label} className={"ct-day" + (d.on ? "" : " off")}>{d.label}</span>)}
          </div>}
        <div className="ct-track">
          {segs.map((s, i) => <div key={i} className={`ct-band ${s.tone}`} style={{
    width: `${s.pct}%`
  }} />)}
        </div>
        <div className="ct-axis" style={{
    height: segs.length > 2 ? 48 : 28
  }}>
          {ticks.map((t, i) => <span key={i} className={"ct-tick" + (i === 0 ? "" : i === ticks.length - 1 ? " last" : " key" + (i % 2 === 0 ? " row2" : ""))} style={{
    left: `${t / 24 * 100}%`
  }}>
              {t >= 24 ? "12:00 AM" : fmt(t)}{i > 0 && i < ticks.length - 1 ? ` ${timezone}` : ""}
            </span>)}
        </div>
        <div className="ct-legend">
          {segs.map((s, i) => <div key={i} className="ct-seg" style={{
    "--ct-dot": `var(--ct-${s.tone})`,
    "--ct-fill": `var(--ct-${s.tone}-f)`
  }}>
              <b>{s.label}</b>
              {s.caption && <span>{s.caption}</span>}
            </div>)}
        </div>
      </div>
    </div>;
};

When you send a wire withdrawal affects when it's processed. Wires sent earlier in the business day are processed the same day.

<CutoffTimeline
  title="Wire withdrawal cut-off times"
  days={[
{ label: "Mon", on: true },
{ label: "Tue", on: true },
{ label: "Wed", on: true },
{ label: "Thu", on: true },
{ label: "Fri", on: true },
{ label: "Sat", on: false },
{ label: "Sun", on: false }
]}
  segments={[
{ until: 17.5, tone: "go", label: "Same-day processing", caption: "Sent by 5:30 PM ET" },
{ until: 18.75, tone: "warn", label: "Best effort", caption: "Sent 5:30–6:45 PM ET" },
{ until: 24, tone: "off", label: "Next-business-day processing", caption: "Sent after 6:45 PM ET" }
]}
/>

## Monday to Friday

**Same-day processing**

* Wires sent by 5:30 PM ET
* Wires sent between 5:30 PM and 6:45 PM ET are processed on a best-effort basis

**Next-business-day processing**

* Wires sent after 6:45 PM ET

Wires don't settle on weekends or bank holidays.

## Cut-off times by bank

For same-day wire withdrawals, the daily cut-off time is 5:30 PM ET for BNY, 5:00 PM ET for Customers Bank, and 3:00 PM ET for Cross River Bank. Requests submitted after these times are processed on a best-effort basis.

To confirm which bank your account routes through, check your wire deposit instructions to see your correspondent banking partner.


## Related topics

- [Wire withdrawals at Anchorage Digital Bank](/knowledge-base/platform/users/usd-withdrawals/adb/wire-withdrawals-overview.md)
- [Wire withdrawal FAQs for Anchorage Digital Bank](/knowledge-base/platform/users/usd-withdrawals/adb/wire-withdrawal-faqs.md)
- [Domestic wire withdrawals at Anchorage Digital Bank](/knowledge-base/platform/users/usd-withdrawals/adb/domestic-wire-withdrawals.md)
- [International wire withdrawals at Anchorage Digital Bank](/knowledge-base/platform/users/usd-withdrawals/adb/international-wire-withdrawals.md)
- [Wire deposits at Anchorage Digital Bank](/knowledge-base/platform/users/usd-deposits/adb/wire-deposits-overview.md)