ACH debits typically take 4-5 business days to complete after initiating a transaction. On average, it takes 2 business days for the funds to settle on your end and another 2 to settle on ours.
ACH credits take 1 business day to complete after initiating a transaction, so long as the transaction is submitted before the cut off time. The cutoff time is Monday through Friday, 12:00 PM PST.
Business days are weekdays only, Monday to Friday, 9am - 5pm PST. Holidays and weekends are not counted as business days. When you place an order in the evening the ACH transfer is not started until the following business day.
For more information on processing times, please visit our page here.
For a general guide on all things ACH, please visit our page here.