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What are the ACH cutoff times?

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

Updated over 3 months ago

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

  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.

Keep in Mind

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

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