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