How long does an ACH transfer payment take to arrive?

An ACH transfer usually takes about 4 to 5 business days from the day it is initiated to clear and post to the receiving bank account. The exact timing depends on your bank and the transfer setup.

• The clock starts on the initiation date, and only business days count, so weekends and holidays extend it.
• Some banks hold or verify transfers, which can add a day or two.
• Because ACH is not instant, plan for the clearing window if a payment is tied to a deadline.
• If a transfer has not posted after the expected window, check with your bank first, then follow up with support.