Processing Schedule
Automated Clearing House (ACH) transactions are processed in specific windows throughout the business day. To facilitate faster payments, Same Day ACH was implemented with multiple daily processing windows. Understanding these windows is crucial for timely fund transfers.
The table below lists the available windows:
| Window | Submission Deadline | Settlement Time |
|---|---|---|
| Morning Window | 8:30 AM ET | 1:00 PM ET |
| Afternoon Window | 12:45 PM ET | 5:00 PM ET |
| Late Afternoon Window | 2:45 PM ET | 6:00 PM ET |
warning
Transactions submitted after the cutoff times will be processed in the next available batch.
note
Holidays and Weekends ACH transactions are not processed on federal holidays or weekends. Any payments initiated during these times will be processed on the next business day.