> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lead.bank/llms.txt
> Use this file to discover all available pages before exploring further.

# Settlement

> Lead supports three intraday settlement windows aligned with Fed processing schedules for checks.

| **File Type**        | **Submit By (ET)** | **Settlement Time (ET)**          |
| :------------------- | :----------------- | :-------------------------------- |
| **Outgoing Checks**  | 6:30 a.m.          | 8:30 a.m.                         |
| **Outgoing Returns** | 12:30 a.m.         | 8:30 a.m.                         |
| **Incoming Checks**  | —                  | 8:30 a.m. / 1:00 p.m. / 5:30 p.m. |
| **Incoming Returns** | —                  | 8:30 a.m. / 1:00 p.m. / 5:30 p.m. |

<Tip>
  **Next Business Day Settlement**

  Checks drawn on Pacific Island banks — those with routing numbers beginning with 1214 or 3214 — always settle the next business day, regardless of submission time.
</Tip>