---
title: Cutoff Times
slug: santander/cutoff-times
docTags: 
createdAt: 2025-03-26T22:28:20.202Z
---

# 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)<br />3:00 pm ET (Exposure Limit) | 0 business days               |
| **Next Day ACH**      | 6:45 pm ET (Prefund)<br />8:15 pm ET (Exposure Limit)  | 1 business day                |

:::hint{type="info"}
**NOTE:&#x20;**&#x54;hese 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&#x20;**&#x74;o 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.