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FedACH® Processing Schedule

(effective September 12, 2022)

Same Day Eligible Forward Items
Transmission Deadline1Target Distribution2Settlement Schedule3
10:30 a.m. ET (1030 ET)Noon ET (1200 ET)1:00 p.m. ET (1300 ET) – current day
2:45 p.m. ET (1445 ET)4:00 p.m. ET (1600 ET)5:00 p.m. ET (1700 ET) – current day
4:45 p.m. ET (1645 ET)5:30 p.m. ET (1730 ET)6:00 p.m. ET (1800 ET) – current day
Future Dated Forward Items
Transmission Deadline4Target Distribution5Settlement Schedule6
10:30 a.m. ET (1030 ET)Noon ET (1200 ET)8:30 a.m. ET (0830 ET) – future business day7
2:45 p.m. ET (1445 ET)4:00 p.m. ET (1600 ET)8:30 a.m. ET (0830 ET) – future business day8
4:45 p.m. ET (1645 ET)5:30 p.m. ET (1730 ET)8:30 a.m. ET (0830 ET) – future business day9
8:00 p.m. ET (2000 ET)1010:00 p.m. ET (2200 ET)8:30 a.m. ET (0830 ET) – future business day11
10:45 p.m. ET (2245 ET)11:30 p.m. ET (2330 ET)8:30 a.m. ET (0830 ET) – future business day12
2:15 a.m. ET (0215 ET)6:00 a.m. ET (0600 ET)8:30 a.m. ET (0830 ET) – future business day13
Electronic Return Items
Transmission Deadline14Target Distribution15Settlement Schedule16
10:30 a.m. ET (1030 ET)Noon ET (1200 ET)1:00 p.m. ET (1300 ET) – current day
2:45 p.m. ET (1445 ET)4:00 p.m. ET (1600 ET)5:00 p.m. ET (1700 ET) – current day
4:45 p.m. ET (1645 ET)5:30 p.m. ET (1730 ET)6:00 p.m. ET (1800 ET) – current day
8:00 p.m. ET (2000 ET)1710:00 p.m. ET (2200 ET)8:30 a.m. ET (0830 ET) – future business day18
10:45 p.m. ET (2245 ET)11:30 p.m. ET (2330 ET)8:30 a.m. ET (0830 ET) – future business day19
2:15 a.m. ET (0215 ET)6:00 a.m. ET (0600 ET)8:30 a.m. ET (0830 ET) – future business day20
FedLine Web® Returns and FedLine Web NOCs (Prior Dated)
Transmission Deadline21Target Distribution22Settlement Schedule23
2:45 p.m. ET (1445 ET)4:00 p.m. ET (1600 ET)5:00 p.m. ET (1700 ET) – current day
4:45 p.m. ET (1645 ET)5:30 p.m. ET (1730 ET)6:00 p.m. ET (1800 ET) – current day
2:15 a.m. ET (0215 ET)6:00 a.m. ET (0600 ET)8:30 a.m. ET (0830 ET) – future business day24
Paper Returns and Paper NOCs (Prior Dated)
Transmission Deadline25Target Distribution26Settlement Schedule27
8:00 a.m. ET (0800 ET)4:00 p.m. ET (1600 ET)5:00 p.m. ET (1700 ET) – current day
Intraday Paper Returns > $10,00028
Transmission Deadline29Target Distribution30Settlement Schedule31
2:00 p.m. ET (1400 ET)5:30 p.m. ET (1730 ET)6:00 p.m. ET (1800 ET) – current day

Footnotes

  1. Deadlines represent the end of the file transmission window. Files must be completely received (e.g., data transmission fully concluded) by the deadline. Sending banks should coordinate the beginning of their transmission within the window to ensure completion by the deadline. ↩︎
  2. Times reflect targets for outgoing distribution and the Reserve Banks bear no liability should a later distribution time occur. ↩︎
  3. Settlement for all ACH items processed by a Reserve Bank pursuant to Operating Circular 4 will be made at the times set forth in the Federal Reserve Policy on Payment System Risk and this document, as amended from time to time. ↩︎
  4. See footnote 1 ↩︎
  5. See footnote 2 ↩︎
  6. See footnote 3 ↩︎
  7. Settlement for ACH items not eligible for same day will occur at 8:30 a.m. ET on the later of (i) the next banking day or (ii) the settlement date that results from the application of paragraph 3 of Appendix B of Operating Circular 4. ↩︎
  8. See footnote 7 ↩︎
  9. See footnote 7 ↩︎
  10. The 8:00 p.m. ET transmission deadline and 10:00 p.m. ET target distribution occur only Sunday through Thursday, and not on Friday. ↩︎
  11. See footnote 7 ↩︎
  12. See footnote 7 ↩︎
  13. See footnote 7 ↩︎
  14. See footnote 1 ↩︎
  15. See footnote 2 ↩︎
  16. See footnote 3 ↩︎
  17. See footnote 10 ↩︎
  18. See footnote 7 ↩︎
  19. See footnote 7 ↩︎
  20. See footnote 7 ↩︎
  21. See footnote 1 ↩︎
  22. See footnote 2 ↩︎
  23. See footnote 3 ↩︎
  24. See footnote 7 ↩︎
  25. See footnote 1 ↩︎
  26. See footnote 2 ↩︎
  27. See footnote 3 ↩︎
  28. Only items settling at 1:00 p.m. ET as same day forward items that exceed $10,000 are eligible for processing at the 2:00 p.m. ET Intraday Paper Return deadline. ↩︎
  29. See footnote 1 ↩︎
  30. See footnote 2 ↩︎
  31. See footnote 3 ↩︎

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