Why ACH takes too long to process?

Why ACH takes too long to process?

  • 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. 

    • Related Articles

    • Get Started with ACH

    • How to make faster ACH payments?

      Fund your wallet via ACH or wire transfer to process faster ACH payments. As long as you have funds in your wallet, they may be processed the same day.

    • ACH vs Wire Transfer

      An ACH transfer sends funds from one bank to another using the Automated Clearing House network. A request has to be made from the payor's bank account to process an ACH transfer. Then, the payor's bank will send the funds through the Automated ...

    • How to apply for ACH?

      Sign up with Online Check Writer. Verify your phone number and email address. Complete the personal and business verification process. Verify your bank account and apply for ACH.

    • How to Process Zoho Payroll Using a Credit Card?

      Step 1: Log In to OnlineCheckWriter.com Navigate to OnlineCheckWriter.com. Enter your credentials and log in to your account. Step 2: Navigate to Payroll by Card On the dashboard, locate and click on the “Payroll by Card” option. Click on the “Start” ...