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https://frbservices.org/resources/resource-centers/same-day-ach/fedach-processing-schedule.html
Mar 19, 2021 · 1:00 p.m. ET (1300 ET) – current day. 2:45 p.m. ET (1445 ET) 4:00 p.m. ET (1600 ET) 5:00 p.m. ET (1700 ET) – current day. 4:45 p.m. ET (1645 ET) 5:30 p.m. ET (1730 ET) 6:00 p.m. ET (1800 ET) – current day. Future Dated Forward Items. Transmission Deadline.
https://www.paymentvision.com/blog/2019/05/30/understanding-ach-settlement-time
May 30, 2019 · Understanding ACH settlement times are important because while the funds are transferring, you don’t have any access to that money. For an individual expecting a payment, the settlement time is an inconvenience, but for a business, it has much more importance. Remember, you may have many ACH transfers processing at once.
https://www.investopedia.com/ach-transfers-what-are-they-and-how-do-they-work-4590120
Apr 30, 2021 · Night cycles were created in 1979 to process Automated Clearing House (ACH) transfers at night, which usually takes place between 10:00 p.m. and 1:30 a.m. EST.
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