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USD Domestic Payments

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Wire transfers

Wire transfers can be processed Monday through Friday, from 9:00 PM ET of the previous business day through 7:00 PM ET of the current business day. Cut-off times:
  • Wire requests received before 3:00 PM ET are typically processed the same business day
  • Requests received after 3:00 PM ET may be processed the next business day
  • Processing after 5:00 PM ET cannot be guaranteed
Holds:
  • Outgoing and incoming wires placed on hold before 3:00 PM ET are generally cleared the same business day
  • Wires on hold after 3:00 PM ET may be cleared the next business day
  • Manual hold clearance is available 9:00 AM to 5:00 PM ET, Monday through Friday

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ACH (Automated Clearing House)

ACH payments process according to NACHA’s ACH settlement windows: Same Day ACH:
  • Morning window: 10:00 AM ET cut-off
  • Afternoon window: 2:00 PM ET cut-off
  • Evening window: 4:00 PM ET cut-off
Standard ACH: Requests after Same Day cut-offs settle the next business day. Settlement: Same Day ACH settles the current business day. Standard ACH settles the next business day.
Federal Reserve holiday schedule: For holidays falling on Saturday, banks are open the preceding Friday. For holidays falling on Sunday, banks are closed the following Monday.

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International Payments

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SWIFT

SWIFT (Society for Worldwide Interbank Financial Telecommunication) enables secure international payments through a global messaging network between financial institutions. Settlement: Typically under T+2

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Local rails

Local payment rails like CHATS (Hong Kong) or Mobile Money (Kenya) route payments through banks in the recipient’s country. Settlement: Instant to T+2, depending on the local clearing system.