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Payment processing times

When you create a payment, you specify the effective date of the payment. We process your payment to meet the effective date. You cannot schedule a payment to process on a holiday or weekend. If you create a recurring payment and a recurring instance falls on a non-processing day, we automatically move that instance to a processing day.

Depending on the type of transaction and the type of non-processing day, we may move the payment to either the next processing day or the previous processing day. Contact us for additional information.

Money is debited from your account on the effective date for the following Transaction Types:

ACH Payment
ACH Batch
Payroll
Domestic Wire Transfer
International Wire Transfer
Tax Payment

Money is credited to your account on the effective date for the following Transaction Types:

ACH Receipt
ACH Collection

Note: For ACH Passthru transactions, you select the process date for the file. Money is debited or credited on the effective date specified in the file.

The following table outlines the typical processing times for each Transaction Type. Contact us for detailed information on processing dates.

Transaction Type processing window
Transaction Type	Process date
ACH Payment	2 days before
ACH Receipt	1 day before
ACH Batch	2 days before
ACH Collection	1 day before
Domestic Wire	Same day
International Wire	Same day
Payroll	2 days before
Tax Payment	1 day before