(a) For the purpose of allowing time to process items, prove balances, and make the necessary entries on its books to determine its position for the day, a bank may fix an afternoon hour of two o’clock p.m. or later as a cutoff hour for the handling of money and items and the making of entries on its books.

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Terms Used In Connecticut General Statutes 42a-4-108

  • afternoon: means the period of a day between noon and midnight. See Connecticut General Statutes 42a-4-104
  • banking day: means the part of a day on which a bank is open to the public for carrying on substantially all of its banking functions, but for the purpose of determining a bank's midnight deadline, as defined in subdivision (10) of this subsection, shall not include Saturday. See Connecticut General Statutes 42a-4-104
  • item: means an instrument or a promise or order to pay money handled by a bank for collection or payment. See Connecticut General Statutes 42a-4-104

(b) An item or deposit of money received on any day after a cutoff hour so fixed or after the close of the banking day may be treated as being received at the opening of the next banking day.