Here are the cut-off times for originating ACH Credit & Debit Transactions (basically, 1a and 1b in Types of ACH Transaction):
Same Day ACH Cut-Off: 9:45 AM PST
Next Day ACH Cut-Off: 2:45 PM PST
If you are receiving ACH Credit & Debit Transactions (basically, 2a and 2b in Types of ACH Transaction), we will make the funds credited to (2a) and debited from (2b) as soon as the RDFI receives the ACH instruction.