Original publication date: August 24, 2020
Question:
What is the cut-off time for ACH transfers?
Answer:
COS requires that transfers be made before the NACHA cut-off time. The time requirement varies depending on load. The cut-off time for same-day ACH transactions at NACHA is currently 14:45 PM Eastern Standard Time (EST). This is projected to expand to 16:45 PM EST next year.
For more information, see: https://www.nacha.org/rules/expanding-same-day-ach#:~:text=by%202%20hours.-,Currently%2C%20the%20latest%20that%20an%20ODFI%20can%20submit%20files%20of,their%20customers%20by%202%20hours