Cutoff Times

ach 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