Payment Requirements
Cutoff Times
ACH payments are processed Monday to Friday.
Transaction Type | Santander Fusion Deadline* | Days Prior to Settlement |
|---|---|---|
Same Date ACH | 12:30 pm ET (Prefund) 3:00 pm ET (Exposure Limit) | 0 business days |
Next Day ACH | 6:45 pm ET (Prefund) 8:15 pm ET (Exposure Limit) | 1 business day |
* These times are guidelines and subject to change without notice. We recommend that your ACH batch is uploaded at least 30 minutes prior to cut-off to resolve unanticipated issues. Payments submitted after 8:15pm will be processed the following business day.
Fusion Batch times: Payment instruction files are typically batched and sent to Santander six times a day, at 08:15am, 11:00am, 12:30pm, 3.00pm, 6:45pm & 8:15pm EST.