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. 

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