Lead supports all six FedACH processing windows with fixed cutoff times.
Overview
Lead supports all FedACH processing windows and submits successfully validated ACH entries to the next available window based on the origination method (file or API), provided they are received by Lead’s cutoff time. To avoid processing delays, we recommend submitting files or transactions as early as possible ahead of each cutoff.
Submissions received after the cutoff deadline for any window will be automatically queued for the next available processing window. There is no “best-effort” processing - all cutoff times are firm deadlines.
Same Day ACH
| Lead’s Cutoff | Settlement Time (at counterparty’s bank) |
|---|
| 9:00 a.m. CT | 12:00 p.m. CT (Same Business Day) |
| 1:15 p.m. CT | 4:00 p.m. CT (Same Business Day) |
| 2:00 p.m. CT | 5:00 p.m. CT (Same Business Day) |
- Same Day ACH transactions submitted before 2:00 p.m. CT on a business day will settle on the same business day.
- Same-Day ACH transactions submitted after 2:00 p.m. CT on a business day or during the weekend will settle on the next business day — and be billed as next day.
Next Day ACH
| Lead’s Cutoff | Settlement Time(at counterparty’s bank) |
|---|
| 9:00 a.m. CT | 7:30 a.m. CT (Next Business Day) |
| 1:15 p.m. CT | 7:30 a.m. CT (Next Business Day) |
| 3:15 p.m. CT | 7:30 a.m. CT (Next Business Day) |
| 6:30 p.m. CT | 7:30 a.m. CT (Next Business Day) |
| 9:15 p.m. CT | 7:30 a.m. CT (Next Business Day) |
| 10:00 p.m. CT | 7:30 a.m. CT (Next Business Day) |
- Standard or next-day ACH transactions submitted before 10:00 p.m. CT on a business day will settle on the next business day.
- Standard or next-day ACH transactions submitted after 10:00 p.m. CT will be queued for the next available processing window.
Calculate Effective Date
- The effective date of ACH transactions submitted via file is determined by the
effective_date fields in the file
- The effective date of an ACH transaction initiated via API is determined by the submission time and the selected
delivery_type input field in the API
ACH Returns Processing
ACH returns follow the same cutoff times as regular ACH transactions:
- Returns submitted before 10:00 p.m. CT will be processed in the next available window
- Returns submitted after 10:00 p.m. CT will be queued for the subsequent processing window
