ACH

ACH transfers are batch-processed by the Federal Reserve, which requires institutions to adhere to cutoff times for the transaction batches.

We will require a short additional time to process ACH transactions on our end before transmitting the transaction data to the Federal Reserve. Our cutoff times are:

Same Day - 11:00 AM PT

Settlement Time - Same Business Day

Transactions sent after the cutoff time will be included in the Next Day ACH batch at 3:00 PM PT. Same-Day pricing will still apply.

Standard- 3:00 PM PT

Settlement Time - 1-3 Business Days

Transactions sent after the 3:00 PM PT cutoff time will be included in the following business day's ACH batch.

Domestic Wire

Wires offer the benefit of being guaranteed funds that settle relatively quickly. While wires are more expensive than ACH transactions

Wire transfers have cutoff times because the banks have account reconciliation obligations with the Fed. Our cutoff time is:

12:00 PM PT

Settlement Time - Same Business Day

Domestic Wire transactions sent after the cutoff time will be processed the following business day.

International Wire

SWIFT offers a way to send funds to family, friends, and businesses outside of the US. Additionally, while wires are more expensive than domestic transactions.

Wire transfers have cutoff times because the bank's have account reconciliation obligations with SWIFT. Our cutoff times are:

9:00 AM PT

Settlement Time - Same Business Day

International Wire transactions sent after the cutoff time will be processed the following business day.

Internal Transfers

Internal transfers do not have cutoff times because they are near real-time and can sometimes take up to 30 minutes to settle.