Tangerine — Night before (~5–10 PM)
KOHO — Night before (~5–9 PM)
PC Financial — Night before (~8–10 PM)
BMO — Around 12:00–1:00 AM, occasionally ~9 PM; cash withdrawals may unlock only at midnight
CIBC — Typically 3:15–4:00 AM, occasionally up to ~6 AM
RBC — Typically 3:00–6:00 AM (government benefits around ~5:30 AM)
Scotiabank — Generally 3:00–6:00 AM
TD Bank — Often within 3:00–6:00 AM, but may vary—TD Early Pay can post up to two days early
National Bank — Generally 3:00–6:00 AM
Meridian Credit Union — Normally 3:00–6:00 AM, with some experiences near ~8 AM
Credit Unions (others) — Mostly 3:00–6:00 AM, varies by local institution