ACH transactions provide a convenient way to transfer funds electronically, but it's crucial to understand ACH cutoff times and how they affect settlement timelines.
ACH Cutoff Times
- Transactions initiated before 3 PM EST: - Will settle in 2 business days. 
 
- Transactions initiated after 3 PM EST: - Will settle in 3 business days. 
 
Keep in Mind
- Weekends and Holidays: Transactions don't settle on weekends or federal bank holidays. 
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