中文：

当我们需要在不同银行之间进行存款操作时，就会涉及到跨行存款。那么，跨行存款什么时候到账呢？

跨行存款的到账时间通常取决于不同的因素，例如银行间清算时间、转账时间、工作日和节假日等。一般来说，跨行存款的到账时间可以在几分钟到几小时之间，但也有可能会更长。

具体来说，如果是在银行工作日进行跨行存款操作，且银行间清算系统和转账系统正常运行，那么通常在几分钟到几小时内可以到账。但是，如果遇到银行间清算系统拥堵、转账系统故障、节假日等特殊情况，到账时间可能会延迟。

另外，如果是在非银行工作日进行跨行存款操作，例如周末或节假日，到账时间也会有所延迟。因为银行在非工作日不进行清算和转账操作，所以需要等到下一个工作日才能处理。

需要注意的是，不同银行对于跨行存款的收费标准和到账时间可能有所不同。因此，在进行跨行存款操作前，建议先咨询相关银行或第三方支付平台的工作人员，了解清楚具体的收费标准和到账时间等情况。

总的来说，跨行存款的到账时间取决于多种因素，包括银行间清算时间、转账时间、工作日和节假日等。因此，在进行跨行存款操作时，需要耐心等待，并注意不同银行的收费标准和到账时间等情况。

英文：

When it comes to making deposits across different banks, cross-bank deposits are involved. So, when will cross-bank deposits arrive?

The arrival time of cross-bank deposits usually depends on different factors, such as bank clearing time, transfer time, workdays, holidays, etc. Generally speaking, the arrival time of cross-bank deposits can be within a few minutes to several hours, but it may also take longer.

Specifically, if the cross-bank deposit operation is carried out during workdays of the bank and the bank clearing system and transfer system are normal, then usually within a few minutes to several hours can arrive. However, if encounter bank clearing system congestion, transfer system failure, special cases such as holidays, the arrival time may be delayed.

In addition, if the cross-bank deposit operation is carried out during non-workdays of the bank, such as weekends or holidays, the arrival time will also be delayed. Because banks do not carry out clearing and transfer operations during non-workdays, they need to wait until the next business day to process.

It should be noted that different banks may have different charging standards and arrival times for cross-bank deposits. Therefore, before carrying out cross-bank deposit operations, it is recommended to consult the staff of the relevant bank or third-party payment platform to understand the specific charging standards and arrival times, etc.

Overall, the arrival time of cross-bank deposits depends on multiple factors including bank clearing time, transfer time, workdays, and holidays. Therefore, when carrying out cross-bank deposit operations, it is necessary to wait patiently and pay attention to different banks' charging standards and arrival times.