ACH Cutoff Times
Your specific cutoff time depends on your ACH funding method. If you are unsure which method applies to your account, please contact your J.P. Morgan Treasury representative for clarification.
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 |