Bank transfer speeds depend on several criteria, including the transfer type, transfer amount, and when the transfer was initiated. See the below table for additional information.
| Same-day ACH | Standard ACH | Wire |
Restrictions | Transfer must be less than $1m | No restrictions | No restrictions |
Cut-off time | 11am central time | 6pm central time | 3pm central time |
Fees | $0 | $0 | $10 |
Speed | Same business day
Transfers made after the cut-off period will be delivered next business day | 3-5 business days | Same business day
Transfers made after the cut-off period will be delivered next business day |