Quote from Trader KGB:
Which brokers did you find that fell into category 3?
5pm ET for rollover is the industry standard. I've never heard of any brokers/banks performing it at different times other than Oanda which has 24/7 accrual.
FXClub has the rollover time at 4 PM ET. Leverage is 100 to 1, but the spreads are high. The company is based in NY.