ACH Cutoff Times

your ach cutoff time depends on your ach funding method not sure what method applies to you? please reach out to your j p morgan treasury representative prefund submit payments from your erp by payments available for approval in h2h release from h2h online by effective date to the recipient will be settlement will be 12 50 pm est 1 10pm est 1 20 pm est (prefund) same day same day 8 50 pm est 9 10 pm est 9 20 pm est (prefund) next day next day not prefund submit payments from your erp by payments available for approval in h2h release from h2h online by effective date to the recipient will be settlement will be 1 50 pm est 2 10 pm est 2 20 pm est (non prefund) same day same day 10 50 pm est 11 05 pm est 11 10 pm est (non prefund) next day next day