What is the maximum processing time for a standard ACH credit transaction?

The maximum processing time for a standard ACH credit transaction is typically one to two business days because ACH transactions are processed in batches rather than in real-time. The ACH network conducts these batches during specific processing windows, and any transaction submitted after the cut-off time will be queued for processing in the next available batch. This time frame allows for necessary checks and balances to ensure accuracy and compliance with the rules governing ACH transactions.

The one to two business days timeframe accounts for scenarios where the transaction is initiated and needs to be completed by the receiving financial institution, along with any associated interbank processes. While some transactions can settle faster, particularly in same-day ACH, standard ACH credits are structured around this typical duration for processing.