ACH Cut-off Times

Here are the cut-off times for originating ACH Credit & Debit Transactions (basically, 1a and 1b in Types of ACH Transaction) on banking days:

  • 5:15am 
  • 8:15am
  • 12:15pm
  • 4:15 pm
  • all times are in the Pacific Time zone

Note: For same-day ACH, transfers must be sent prior to the 12:15pm cut-off. Anything sent after that will be treated as a next-day ACH.

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. 

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