FedACH® Processing Schedule
(effective September 12, 2022)
| Transmission DeadlineFootnote 1 | Target DistributionFootnote 2 | Settlement ScheduleFootnote 3 |
|---|---|---|
| 10:30 a.m. ET (1030 ET) | Noon ET (1200 ET) | 1:00 p.m. ET (1300 ET) – current day |
| 2:45 p.m. ET (1445 ET) | 4:00 p.m. ET (1600 ET) | 5:00 p.m. ET (1700 ET) – current day |
| 4:45 p.m. ET (1645 ET) | 5:30 p.m. ET (1730 ET) | 6:00 p.m. ET (1800 ET) – current day |
| Transmission DeadlineFootnote 1 | Target DistributionFootnote 2 | Settlement ScheduleFootnote 3 |
|---|---|---|
| 10:30 a.m. ET (1030 ET) | Noon ET (1200 ET) | 8:30 a.m. ET (0830 ET) – future business day4 |
| 2:45 p.m. ET (1445 ET) | 4:00 p.m. ET (1600 ET) | 8:30 a.m. ET (0830 ET) – future business day4 |
| 4:45 p.m. ET (1645 ET) | 5:30 p.m. ET (1730 ET) | 8:30 a.m. ET (0830 ET) – future business day4 |
| 8:00 p.m. ET (2000 ET)5 | 10:00 p.m. ET (2200 ET) | 8:30 a.m. ET (0830 ET) – future business day4 |
| 10:45 p.m. ET (2245 ET) | 11:30 p.m. ET (2330 ET) | 8:30 a.m. ET (0830 ET) – future business day4 |
| 2:15 a.m. ET (0215 ET) | 6:00 a.m. ET (0600 ET) | 8:30 a.m. ET (0830 ET) – future business day4 |
| Transmission DeadlineFootnote 1 | Target DistributionFootnote 2 | Settlement ScheduleFootnote 3 |
|---|---|---|
| 10:30 a.m. ET (1030 ET) | Noon ET (1200 ET) | 1:00 p.m. ET (1300 ET) – current day |
| 2:45 p.m. ET (1445 ET) | 4:00 p.m. ET (1600 ET) | 5:00 p.m. ET (1700 ET) – current day |
| 4:45 p.m. ET (1645 ET) | 5:30 p.m. ET (1730 ET) | 6:00 p.m. ET (1800 ET) – current day |
| 8:00 p.m. ET (2000 ET)5 | 10:00 p.m. ET (2200 ET) | 8:30 a.m. ET (0830 ET) – future business day4 |
| 10:45 p.m. ET (2245 ET) | 11:30 p.m. ET (2330 ET) | 8:30 a.m. ET (0830 ET) – future business day4 |
| 2:15 a.m. ET (0215 ET) | 6:00 a.m. ET (0600 ET) | 8:30 a.m. ET (0830 ET) – future business day4 |
| Transmission DeadlineFootnote 1 | Target DistributionFootnote 2 | Settlement ScheduleFootnote 3 |
|---|---|---|
| 2:45 p.m. ET (1445 ET) | 4:00 p.m. ET (1600 ET) | 5:00 p.m. ET (1700 ET) – current day |
| 4:45 p.m. ET (1645 ET) | 5:30 p.m. ET (1730 ET) | 6:00 p.m. ET (1800 ET) – current day |
| 2:15 a.m. ET (0215 ET) | 6:00 a.m. ET (0600 ET) | 8:30 a.m. ET (0830 ET) – future business day4 |
| Transmission DeadlineFootnote 1 | Target DistributionFootnote 2 | Settlement ScheduleFootnote 3 |
|---|---|---|
| 8:00 a.m. ET (0800 ET) | 4:00 p.m. ET (1600 ET) | 5:00 p.m. ET (1700 ET) – current day |
| Transmission DeadlineFootnote 1 | Target DistributionFootnote 2 | Settlement ScheduleFootnote 3 |
|---|---|---|
| 2:00 p.m. ET (1400 ET) | 5:30 p.m. ET (1730 ET) | 6:00 p.m. ET (1800 ET) – current day |
Footnotes
1Deadlines represent the end of the file transmission window. Files must be completely received (e.g., data transmission fully concluded) by the deadline. Sending banks should coordinate the beginning of their transmission within the window to ensure completion by the deadline.
2Times reflect targets for outgoing distribution and the Reserve Banks bear no liability should a later distribution time occur.
3Settlement for all ACH items processed by a Reserve Bank pursuant to Operating Circular 4 will be made at the times set forth in the Federal Reserve Policy on Payment System Risk and this document, as amended from time to time.
4Settlement for ACH items not eligible for same day will occur at 8:30 a.m. ET on the later of (i) the next banking day or (ii) the settlement date that results from the application of paragraph 3 of Appendix B of Operating Circular 4.
5The 8:00 p.m. ET transmission deadline and 10:00 p.m. ET target distribution occur only Sunday through Thursday, and not on Friday.
6Only items settling at 1:00 p.m. ET as same day forward items that exceed $10,000 are eligible for processing at the 2:00 p.m. ET Intraday Paper Return deadline.