Sep 12, 2022 · Get information on ACH processing times for Same Day Eligible Forward items, Future Dated Forward Items, and more.

The cutoff time for initiating a standard current dated payment is 8:00 p.m. CT. If you send a payment after 8:00 p.m. CT, the payment will process the next day.

Jul 27, 2025 · What are the cutoff times for same-day ACH processing? Same-day ACH has three processing windows with cutoff times at 10:30 AM ET (settles at 1:00 PM), 2:45 PM ET (settles at …

Nacha has created a chart to help financial institutions using the ACH Network understand the deadlines for both Same Day ACH and traditional ACH. It is available for download as a PDF.

Jun 11, 2025 · How long does an ACH transfer take? Learn about ACH payment processing time, cutoff schedules, same day ACH, and what impacts your transfer timing.

Most banks have specific times when they process incoming ACH transactions, typically in the early morning, afternoon, and late evening. Deposits submitted for same-day ACH processing may post by …

Next-Day Processing: Typically, ACH transactions submitted by the cut-off time are processed overnight. They are usually available in the recipient’s account the next business day.

Effective March 19, 2021, Same-Day ACH operating hours were extended by 2 hours. Now an ODFI can submit Same-Day files by 4:45 p.m. Eastern Time (1:45 p.m. Pacific Time) for same-day processing. …

Different banks may have different cut off times for receiving ACH files - if you submit after the cut off time, your request is not likely to be processed until the next day.

Nov 25, 2025 · What are the cut-off times for ACH payments? The ACH network processes transactions at specific times throughout the day, 6 a.m., 12 p.m., 4 p.m., 5:30 p.m., and 10 p.m. Eastern Time …