ACH processing windows

Transfers that are submitted via the /transfer/create endpoint will be submitted in the next processing window. For a same-day transfer, the cutoff time is 7:45AM Pacific Time. For a next-day transfer, the cutoff time is 5:45PM Pacific Time. It is recommended to submit a transfer at least 15 minutes before the cutoff time to guarantee that it will be processed before the cutoff.

Note that same-day transfers submitted after 7:45AM Pacific Time and before 5:45PM Pacific Time will be automatically updated to be next-day and submitted to the network in that following ACH processing window. This update also applies to the sweep. This process minimizes the risk of return due to insufficient funds by reducing the delay between Plaid's balance check and the submission of the transfer to the ACH network. The settlement time remains the same as it would have been if the transfer had been submitted in next same-day window.

ACH processing windows are active only on banking days. Transfers will not be submitted to the Nacha network on weekends or bank holidays. Keep this in mind when creating transfers over weekends or on bank holidays. To mitigate, wait until the next banking day and then authorize and create the transfer.

Some accounts are subject to ACH processing hold times in order to reduce risk. If your account is subject to a hold, your Account Manager will inform you. Any hold will take place in between when funds are swept and the credit or debit to the consumer's account.