What are ACH cutoff times?
Cutoff times usually depend on how and when you send the payment.
ACH (standard bank transfer) Send before 2:30pm EST; otherwise it will be processed the next business day
Express ACH Timing depends on processing windows
Updated June 18, 2026
Cutoff times usually depend on how and when you send the payment.
ACH (standard bank transfer) Send before 2:30pm EST; otherwise it will be processed the next business day
Express ACH Timing depends on processing windows