What is the cutoff time for transfers between my accounts with First Merchants/Lafayette Bank & Trust/Commerce National Bank?

'Once, now' transfers between your First Merchants accounts will affect your available balance and appear in account history immediately as a pending item. Settlement of the transfer will occur the next business day if the transfer is after 6:45 PM EST or on a non-business day.  Scheduled or recurring transfers will be processed and appear the morning of the date scheduled.