---
title: ACH Cutoff Times
slug: jpmorgan/ach-cutoff-times
description: Learn about the timing and batching processes for ACH payments in this document. 
docTags: 
createdAt: 2022-08-02T19:48:09.000Z
---

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                |