Q. When do transfers take effect?
A. If you schedule a single transfer and choose today as the transfer date, the transfer amount will be available as soon as you click transfer Funds and then click Confirm on the transfer review screen. Transfers requested after 4 p.m. Eastern Time post after midnight the following business day. If you schedule a transfer to take place on a future date, it will take effect in the morning on that date.

For a recurring transfer, the first transfer will take place on the morning of the day you select as the starting date. Each subsequent transfer will take place at the interval you specify. If an instance of a recurring transfer falls on a weekend or holiday, it will occur the next business morning.

A transfer to a credit account will post to your account as a payment by the following business day.

Q. How far in advance may I schedule a future transfer?
A. You may schedule a one-time future transfer up to a year in advance. If you are scheduling a recurring transfer, the first transfer date must be within one year of today.

Q. How do I know whether or not my transfer was successful?
A. There are several ways to see that your transfer was successful. For immediate transfers, a confirmation screen will appear. Also, for deposit accounts, a successful transfer will be reflected immediately in your Available Balance as well as in Today's Credits or Today's Debits.

Transfer History is updated each morning. That screen lists transfer that have occurred on your account and indicates whether or not each was successful. Successful transfers will also appear as transactions on your Account Detail screen after the next posting.

Q. How do I set up a recurring transfer?
A. Go to the Recurring Transfer screen by clicking the Recurring Transfer link in the gray navigation bar. There you can set up a transfer to repeat at specific intervals (weekly, monthly, etc.).

Q. What is the balance beside the account name?
A. For deposit accounts, the balance listed is the available balance. Available balance includes all transactions that have already been posted to your account plus certain transactions you have made since the last posting. Some of the transactions that are included in available balance are cash deposits and withdrawals, transfers, automatic (ACH) deposits and drafts, and point-of-sale purchases made using your ATM card or VISA Check Card.

For credit and loan accounts, the balance listed is the outstanding balance, not your minimum payment due.