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In observance of Christmas Eve, December 24, the processing deadlines will be as follows: ACH File Transfers - 11:30 AM; Wire Transfers - 11:30 AM; Internal Transfers - 6:00 PM. All ACH File, Wire and Internal Transfers received after these times will be processed the next business day. Customers need to make their Positive Pay decisions by 10:30 AM or ACH Debit Filter decisions by 11:30 AM or we will take your default decision. Regular Banking hours will be observed on New Year's Eve, Dec. 31.