How long do ACH transfers take?

Timing usually depends on the type of ACH transfer.

ACH deposit (pull) Moving money into your Novo account from another bank Usually processes in about 1 business day May take up to 5 business days to show in your account Some transfers may have an additional 2-day hold

ACH payment (push) Sending money from your Novo account to a payee or external account Typically arrives in 1–3 business days Faster delivery is available with Express ACH (for a fee)

Incoming ACH transfers Money sent to your Novo account from another bank or payer Usually arrives within up to 3 business days

Timing may also vary based on processing windows, weekends, and bank cutoffs.