What are the Express ACH timing windows?

Express ACH is available at different times depending on when you send the transfer.

Monday–Friday (before 2:30pm ET)
Sent: 12am–2:30pm ET
Available: Same day

Monday–Thursday (after 2:30pm ET)
Sent: 2:30pm–11:59pm ET
Available:Next business day

Friday (after 2:30pm ET)
Sent: 2:30pm–11:59pm ET
Available: Monday

Saturday–Sunday
Sent: Anytime
Available: Monday

Money typically arrives by the end of the receiving bank’s processing day.

Note: Federal holidays can affect delivery times