How Long Does It Take an ACH to Go Through?

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Automated Clearing House, ACH, transactions normally take one business day to process. Therefore, ACH deposits are not subject to the same hold times that enable banks to delay the availability of funds from check deposits. However, some ACH deposits can take longer to process, and in a worse case scenario, a bank may not accept an ACH deposit at all.


  • For the most part, ACH transactions are made available one business day after the day they were processed, although in some cases, funds are ready the same day.

ACH Deposits

Receiving Bank

Originator of the ACH

Other Considerations