What is the cut off time for processing regular bill payments? Standard bill payments are processed until 10PM ET, each business day. Have more questions? Submit a request 0 Comments Please sign in to leave a comment. Related articles When are the funds available for me to use? What if I get a phone call or email asking for personal information? Why is my 3Rivers debit or credit card being declined? What features does the mobile banking app offer? I forgot my password for Mobile Banking. How can I reset it?