Transaction cut off times


Below are the cut-off times for processing transactions. 

ACH - Automated Clearing House Transactions

ACH Type Cut off Time Settlement Time
Same Day 11:00AM PT Same Business Day Transactions sent after the cutoff time will be included in the Next Day ACH batch at 3:00 PM PT. Same-Day pricing will still apply.
Next Day 3:00PM PT Next Business Day Transactions sent after the 3:00 PM PT cutoff time will be included in the following business day's ACH batch.

 

Fed Wire US

Type Cut Off Time Settlement Time
FedWire 12:00PM PT

Same Business Day Domestic Wire transactions sent after the cutoff time will be processed the following business day.

 

Swift Payments - International

Type Cut Off Time Settlement Time
SWIFT 9:00AM PT

Same Business Day International Wire transactions sent after the cutoff time will be processed the following business day.

 

RPPS

Type Cut Off Time Settlement Time
RPPS 1:00PM PT

Same Business Day Transactions sent after the cutoff time will be included in the following business day's RPPS batch.

 

Check US

Type Cut Off Time Settlement Time
Check US 3:00PM PT

Will vary by the external bank the check is being deposited to. Once the check has been deposited, the bank will hold the funds for a period of time before clearing the check.

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