• ACH transactions are not processed in real time. 

• The bank will not process any request made after the cutoff time until the next working day. Cut off time for ACH payment is 7:00 PM PT.  

• Transactions processed after the cutoff time on Friday will not be processed until Monday. 
  

For new accounts, 

• After the ACH request, it requires 3 days for Account verification. 

• 5 to 6 days processing time for the first payment. 

• Rest of the payment through a standard processing time. 
  

How to reduce Processing time? 

• Refilling your ACH wallet beforehand will help you reduce processing time.   
  

• It saves you time. No need to wait days every time you want to make payments. 
  

Always make sure you process payments before the cutoff time.