I'm trying to answer the question on my own.
"Transfers scheduled on bank business days before the daily cut-off time will be credited on the same day. Transfers scheduled after the cut-off time will be credited on the following business day."
The answer to the question I left is the daily cut-off time of a bank.
So that you can ask the teller, "what's your daily cut-off time"? and they will tell you their latest time.
Student or Learner