This question was just asked and I posted a long answer. So I bumped the thread Resort to Port Luggage thread for you. Your answer is there, just find the thread. I have not yet learn to link them. Good luck.
It seems to vary--not sure if it depends on how many guests waiting for cruise transportation or how many checking out of resort that day. The bottom line is that at WDW, I've never had to have my stuff out before 10. The bus picks you up between 12 and 1, and you are asked to check in at the transportation lobby an hour early. You can also take your bags to the bell station with the cruise tags on them and point out that they are to go on the truck to the ship.
You will get a form under your door the night before with all the details.
At Disneyland, luggage pick up was 8 am--and the bellman was at our door at 7:50! Wow.
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