ACH arrival estimator
ACH transfers settle only on bank business days. This estimator skips weekends and Federal Reserve holidays.
Estimated arrival: Tuesday, August 11, 2026
Estimate assumes the transfer is submitted before the bank's cutoff time. Actual timing depends on the sending and receiving banks; standard ACH commonly settles in 1–3 business days.
How ACH timing works
Standard ACH credits typically settle in 1–3 business days; debits usually take 1–2. Same-day ACH settles the same business day if submitted before the bank's cutoff (often early afternoon).
Transfers started on a weekend or holiday don't begin processing until the next business day — money sent Friday night generally lands no earlier than Monday, or Tuesday after a Monday holiday.
Banks may also hold received funds briefly before making them available. The exact availability schedule is in your account agreement.
Holiday schedule from the Federal Reserve System. Timing estimates are informational, not a guarantee.