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• Branch night drop deposits: 7:3o a.m. local time. <br />Select branches offer a second opening in the early afternoon. Deposit <br />cutoff times are clearly indicated on the face of each depository as <br />required by law. <br />Cheek -Only Deposits <br />• Virtual Remit and Virtual Remit Mobile: 7:00 p.m. PT, with same - <br />day ledger and availability based on endpoint. <br />• Virtual Remit With ACH: 7:00 p.m. PT for same -day ledger and <br />availability based on endpoint. All transactions cleared as ACH debits are <br />fully available the next business day. <br />• Image Cash Letter (ICL) <br />• Standard: 7:00 p.m. PT with availability based on endpoint. <br />• With ACH: 6:oo p.m. PT for same business day credit. All transactions <br />cleared as ACH debits are fully available the next business day. <br />Nonconvertible items are available based on endpoint. <br />• Paper check— deposits must be received at the check processing facilities <br />by 4:00 p.m. local time to receive same -day ledger credit. Availability is <br />based on endpoint. <br />Vault Deposits <br />We suggest that the City continue having deposits delivered to our Los Angeles <br />cash vault location. The City will also continue working with their dedicated <br />client service professional, Marilyn Hardney on deposit adjustments or research <br />requests. <br />Page 38 J. P. Morgan <br />55E -133 <br />