How long does it take for a transfer to reach my payee’s account?

Timing depends on how you send the payment and when you send it.

ACH (standard bank transfer): Usually arrives in 2–3 business days Send before 2:15pm EST to start processing the same day

Express ACH: Typically arrives the same day Timing depends on processing windows

Domestic wire: Usually arrives within 1 business day

Mailed check: Delivered in about 10 business days After delivery, your payee’s bank may take 1–2 business days to process it

Delivery times can also vary based on timing, weekends, and bank processing.