Stop Payments generally take effect immediately, but timing may vary based on:

  1. When the request is submitted: Requests made during business hours are processed the same day. Requests made after hours, on weekends, or on federal holidays are processed the next business day.
  2. Transaction status: If the payment is already processing or posted, it may not be stoppable.

Submitting your request as early as possible provides the best chance of success.