Cutoff Times

all payments submitted are typically received by the bank on the same business day this guide provides the submission windows, batching schedules, and deadlines for the supported payment methods ach payments detail schedule submission window 6 00 am – 6 45 pm last batch deadline 7 00 pm batch frequency every 30 minutes (on the hour and a half hour) bank receive date same business day all times in eastern domestic wire payments country submission window last batch deadline batch frequency bank receive date united states 6 00 am 6 25 pm 6 35 pm every 10 minutes (e g , 2 45 pm, 2 55 pm, 3 05 pm) same business day canada 6 00 am 4 05 pm 4 15 pm every 10 minutes (e g , 2 45 pm, 2 55 pm, 3 05 pm) same business day all times in eastern electronic fund transfers (eft) detail schedule submission window 6 00 am – 6 45 pm last batch deadline 7 00 pm batch frequency every 30 minutes (on the hour and a half hour) bank receive date same business day all times in eastern batching faqs what happens if i miss the batching deadline? payments must reach the bank by the listed "last batch" deadline because it can take a few minutes for data to transmit from your erp to the bank, we recommend submitting payments at least 15 minutes before the deadline if a payment is not received before the deadline, it will be held until the next processing window, which is typically 6 00 am the following business day what days are payments processed? payments are processed on business days only; weekends and bank holidays (in the respective countries) are excluded if payments are submitted on a non business day (e g , saturday), they will be held until the first available batch, which is typically 6 00 am on the next business day (e g , monday)