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.
Originator of the ACH
- Comptroller of the Currency Administrator of National Banks; Answers About Funds Availability; August 2010
- NACHA: Homepage
- PaySimple: 7 Things You Should Know Before Setting Up ACH Billing
- DWOLLA: Understanding the ACH Returns Process
- NACHA: ACH Volume Grows to More Than 25 Billion Payments and $43 Trillion in Value in 2016