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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. 

Transactions initiated before 3 PM EST:

Transactions initiated after 3 PM EST:

1. Transactions initiated before 3 PM EST:
 - Will settle in 2 business days.
 
2. Transactions initiated after 3 PM EST:
 - Will settle in 3 business days.

Weekends and Holidays: Transactions don't settle on weekends or federal bank holidays.

- Weekends and Holidays: Transactions don't settle on weekends or federal bank holidays.

Understand ACH cutoff times and how they affect settlement time of your transactions.

What are the ACH cutoff times?

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ACH Cutoff Times

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