/* * ACH Settlement Estimator - docs.lead.bank * * Mounts into

on the ACH * Timing & Availability page. Loaded globally by Mintlify (any .js in the * content directory runs on every page), so it does nothing unless the * container is present. A MutationObserver re-mounts after client-side * navigation. * * The window-assignment algorithm is a direct port of payment-api's * AchSlaService.computeOutgoingEntrySla (braavos), using the live * FedAchDateConfig Lead cutoffs and FedAchSchedule Fed windows, and is * validated against AchSlaServiceTest's test vectors (Aug 2026). * Holiday calendar loaded through 2026 - extend FED_HOLIDAYS annually. */ (function () { 'use strict'; var CONTAINER_ID = 'ach-settlement-calculator'; var STYLE_ID = 'ach-settlement-calculator-style'; var CT = 'America/Chicago'; var ET = 'America/New_York'; // ---------- Fed windows (times ET, from FedAchSchedule) ---------- // days: 0=Sun..6=Sat. holidayOk: window runs on weekends/holidays. var WINDOWS = { REG1: { deadline: '02:15', settle: '08:30', currentDay: false, days: [1, 2, 3, 4, 5], holidayOk: false }, SD1: { deadline: '10:30', settle: '13:00', currentDay: true, days: [1, 2, 3, 4, 5], holidayOk: false }, SD2: { deadline: '14:45', settle: '17:00', currentDay: true, days: [1, 2, 3, 4, 5], holidayOk: false }, SD3: { deadline: '16:45', settle: '18:00', currentDay: true, days: [1, 2, 3, 4, 5], holidayOk: false }, REG2: { deadline: '20:00', settle: '08:30', currentDay: false, days: [0, 1, 2, 3, 4], holidayOk: true }, REG3: { deadline: '22:45', settle: '08:30', currentDay: false, days: [0, 1, 2, 3, 4, 5], holidayOk: true } }; // ---------- Lead cutoffs (times ET, from FedAchDateConfig) ---------- var SAME_DAY_CUTOFFS = [ ['10:00', 'SD1'], ['14:15', 'SD2'], ['15:00', 'SD3'] ]; var NEXT_DAY_CUTOFFS = [ ['10:00', 'SD1'], ['14:15', 'SD2'], ['16:15', 'SD3'], ['19:30', 'REG2'], ['22:15', 'REG3'], ['23:00', 'REG1'] ]; // Federal Reserve holidays, observed dates var FED_HOLIDAYS = { '2025-01-01': 1, '2025-01-20': 1, '2025-02-17': 1, '2025-05-26': 1, '2025-06-19': 1, '2025-07-04': 1, '2025-09-01': 1, '2025-10-13': 1, '2025-11-11': 1, '2025-11-27': 1, '2025-12-25': 1, '2026-01-01': 1, '2026-01-19': 1, '2026-02-16': 1, '2026-05-25': 1, '2026-06-19': 1, '2026-07-03': 1, '2026-09-07': 1, '2026-10-12': 1, '2026-11-11': 1, '2026-11-26': 1, '2026-12-25': 1 }; // ---------- Time utilities ---------- function tzOffsetMinutes(instant, tz) { var dtf = new Intl.DateTimeFormat('en-US', { timeZone: tz, year: 'numeric', month: '2-digit', day: '2-digit', hour: '2-digit', minute: '2-digit', second: '2-digit', hour12: false }); var m = {}; dtf.formatToParts(instant).forEach(function (p) { if (p.type !== 'literal') m[p.type] = p.value; }); var asUTC = Date.UTC(+m.year, +m.month - 1, +m.day, +m.hour === 24 ? 0 : +m.hour, +m.minute, +m.second); return (asUTC - instant.getTime()) / 60000; } function zonedDateTime(y, mo, d, h, mi, tz) { var utc = Date.UTC(y, mo - 1, d, h, mi); var off = tzOffsetMinutes(new Date(utc), tz); utc -= off * 60000; off = tzOffsetMinutes(new Date(utc), tz); return new Date(Date.UTC(y, mo - 1, d, h, mi) - off * 60000); } function wallClock(instant, tz) { var dtf = new Intl.DateTimeFormat('en-US', { timeZone: tz, year: 'numeric', month: '2-digit', day: '2-digit', hour: '2-digit', minute: '2-digit', hour12: false, weekday: 'short' }); var m = {}; dtf.formatToParts(instant).forEach(function (p) { if (p.type !== 'literal') m[p.type] = p.value; }); var dowIdx = ['Sun', 'Mon', 'Tue', 'Wed', 'Thu', 'Fri', 'Sat'].indexOf(m.weekday); return { year: +m.year, month: +m.month, day: +m.day, hour: +m.hour === 24 ? 0 : +m.hour, minute: +m.minute, dow: dowIdx, isoDate: m.year + '-' + m.month + '-' + m.day }; } // Date arithmetic on {y,m,d} tuples via UTC noon (no DST edge cases) function dKey(t) { return t.y * 10000 + t.m * 100 + t.d; } function dIso(t) { return t.y + '-' + (t.m < 10 ? '0' : '') + t.m + '-' + (t.d < 10 ? '0' : '') + t.d; } function dAdd(t, n) { var dt = new Date(Date.UTC(t.y, t.m - 1, t.d + n, 12)); return { y: dt.getUTCFullYear(), m: dt.getUTCMonth() + 1, d: dt.getUTCDate() }; } function dDow(t) { return new Date(Date.UTC(t.y, t.m - 1, t.d, 12)).getUTCDay(); } function isHolidayType(t) { var dow = dDow(t); if (dow === 0 || dow === 6) return true; return !!FED_HOLIDAYS[dIso(t)]; } function isBankingDay(t) { return !isHolidayType(t); } function firstBankingDay(t) { var cur = t; for (var i = 0; i < 30 && !isBankingDay(cur); i++) cur = dAdd(cur, 1); return cur; } function hm(s) { var p = s.split(':'); return (+p[0]) * 60 + (+p[1]); } function etInstant(t, hmStr) { var p = hmStr.split(':'); return zonedDateTime(t.y, t.m, t.d, +p[0], +p[1], ET); } // okToSubmit, ported from AchDates (maintenance-window rules) function okToSubmit(t, timeMin) { var holiday = isHolidayType(t); var nextHoliday = isHolidayType(dAdd(t, 1)); if (holiday && nextHoliday) return false; if (holiday && timeMin < hm('17:30')) return false; if (!holiday && nextHoliday && timeMin > hm('23:30')) return false; return true; } // Fed transmission deadlines available on a given day, sorted by time function deadlinesFor(t) { var out = []; var dow = dDow(t); var holiday = isHolidayType(t); Object.keys(WINDOWS).forEach(function (key) { var w = WINDOWS[key]; if (w.days.indexOf(dow) === -1) return; if (holiday && !w.holidayOk) return; if (!okToSubmit(t, hm(w.deadline))) return; out.push({ key: key, win: w, timeMin: hm(w.deadline) }); }); out.sort(function (a, b) { return a.timeMin - b.timeMin; }); return out; } // First Fed window whose transmission deadline is strictly after baseInstant // (ported from AchDates.nextFedProcessingWindow) function nextFedWindow(baseInstant) { var wc = wallClock(baseInstant, ET); var t = { y: wc.year, m: wc.month, d: wc.day }; var timeMin = wc.hour * 60 + wc.minute; for (var i = 0; i < 30; i++) { var dls = deadlinesFor(t); for (var j = 0; j < dls.length; j++) { if (dls[j].timeMin > timeMin) { return { date: t, key: dls[j].key, win: dls[j].win }; } } t = dAdd(t, 1); timeMin = -1; } return null; } // Earliest settlement date, ported from FedAchProcessingWindow.earliestSettlementDate function earliestSettlementDate(target, itemType) { var dl = hm(target.win.deadline); if (itemType === 'next-day') { return dl > hm(WINDOWS.REG1.deadline) ? firstBankingDay(dAdd(target.date, 1)) : firstBankingDay(target.date); } // same-day and returns return dl > hm(WINDOWS.SD3.deadline) ? firstBankingDay(dAdd(target.date, 1)) : firstBankingDay(target.date); } // ---------- Core: port of AchSlaService.computeOutgoingEntrySla ---------- // itemType: 'same-day' | 'next-day' | 'returns' // Returns { target: {date,key,win}, effective: {y,m,d}, settle: Date, // actualSameDay: bool, converted: bool, missedAll: bool, // caughtCutoff: 'HH:MM' ET or null } function compute(submissionInstant, itemType) { var base = wallClock(submissionInstant, ET); var baseDate = { y: base.year, m: base.month, d: base.day }; var baseMin = base.hour * 60 + base.minute; var cutoffs = itemType === 'same-day' ? SAME_DAY_CUTOFFS : NEXT_DAY_CUTOFFS; var mapped = itemType; var converted = false; var missedAll = false; var target = null; var caughtCutoff = null; // Branch 1: first Lead cutoff strictly after the submission time today for (var i = 0; i < cutoffs.length; i++) { if (hm(cutoffs[i][0]) > baseMin) { target = nextFedWindow(etInstant(baseDate, cutoffs[i][0])); caughtCutoff = cutoffs[i][0]; break; } } // Branch 2: same-day past its last cutoff is converted to next-day if (!target && itemType === 'same-day') { mapped = 'next-day'; converted = true; for (var k = 0; k < NEXT_DAY_CUTOFFS.length; k++) { if (hm(NEXT_DAY_CUTOFFS[k][0]) > baseMin) { target = nextFedWindow(etInstant(baseDate, NEXT_DAY_CUTOFFS[k][0])); caughtCutoff = NEXT_DAY_CUTOFFS[k][0]; break; } } } // Branch 3: past every cutoff today; take the first cutoff of the next day if (!target) { missedAll = true; converted = false; mapped = itemType; // reset, as in AchSlaService var nextDay = dAdd(baseDate, 1); target = nextFedWindow(etInstant(nextDay, '10:00')); caughtCutoff = null; } var effective = earliestSettlementDate(target, mapped === 'returns' ? 'returns' : mapped); // Settlement instant: same-day-effective entries in a same-day window // settle at the window's settlement time; everything else settles in the // morning window (08:30 ET) on the effective date. var settle; if (dKey(effective) === dKey(target.date) && target.win.currentDay) { settle = etInstant(effective, target.win.settle); } else { settle = etInstant(effective, '08:30'); } var actualSameDay = itemType === 'same-day' && dKey(effective) === dKey(baseDate); return { target: target, effective: effective, settle: settle, actualSameDay: actualSameDay, converted: converted && !actualSameDay, missedAll: missedAll, caughtCutoff: caughtCutoff, submittedOnBankingDay: isBankingDay(baseDate) }; } // ---------- Formatters ---------- function fmtLong(instant, tz) { return new Intl.DateTimeFormat('en-US', { timeZone: tz, weekday: 'long', month: 'long', day: 'numeric', hour: 'numeric', minute: '2-digit', hour12: true }).format(instant); } function fmtShort(instant, tz) { return new Intl.DateTimeFormat('en-US', { timeZone: tz, month: 'short', day: 'numeric', hour: 'numeric', minute: '2-digit', hour12: true }).format(instant); } function fmtDay(instant) { return new Intl.DateTimeFormat('en-US', { timeZone: CT, weekday: 'long', month: 'long', day: 'numeric' }).format(instant); } function fmtTime(instant) { return new Intl.DateTimeFormat('en-US', { timeZone: CT, hour: 'numeric', minute: '2-digit', hour12: true }).format(instant); } function tzAbbrev(instant, tz) { var p = new Intl.DateTimeFormat('en-US', { timeZone: tz, timeZoneName: 'short' }) .formatToParts(instant).filter(function (x) { return x.type === 'timeZoneName'; }); return p.length ? p[0].value : ''; } function pad(n) { return n < 10 ? '0' + n : '' + n; } // Lead cutoff (ET string) rendered as CT clock time function cutoffCT(t, hmStr) { return fmtTime(etInstant(t, hmStr)) + ' CT'; } // ---------- Styles ---------- var CSS = [ '#ach-settlement-calculator { --ac-border:#e5e7eb; --ac-bg:#ffffff; --ac-bg-soft:#f9fafb;', ' --ac-muted:#6b7280; --ac-accent:#1e3a5f; --ac-accent-soft:#eef2f7;', ' --ac-warn:#b45309; --ac-warn-soft:#fffbeb;', ' border:1px solid var(--ac-border); border-radius:12px; padding:20px; margin:8px 0 16px; }', 'html.dark #ach-settlement-calculator { --ac-border:#374151; --ac-bg:#111827; --ac-bg-soft:#1f2937;', ' --ac-muted:#9ca3af; --ac-accent:#9fc0e8; --ac-accent-soft:rgba(159,192,232,.12);', ' --ac-warn:#fbbf24; --ac-warn-soft:rgba(251,191,36,.12); }', '#ach-settlement-calculator .ac-controls { display:grid; grid-template-columns:1fr 1fr; gap:12px 16px; }', '#ach-settlement-calculator .ac-control { display:flex; flex-direction:column; gap:5px; }', '#ach-settlement-calculator .ac-control.ac-full { grid-column:1 / -1; }', '#ach-settlement-calculator label.ac-lbl { font-size:12px; font-weight:600; color:var(--ac-muted); }', '#ach-settlement-calculator input[type="datetime-local"], #ach-settlement-calculator select {', ' font:inherit; font-size:14px; padding:8px 10px; border:1px solid var(--ac-border);', ' border-radius:8px; background:var(--ac-bg); color:inherit; width:100%; }', '#ach-settlement-calculator .ac-radios { display:flex; gap:4px; background:var(--ac-bg-soft);', ' border:1px solid var(--ac-border); border-radius:8px; padding:4px; }', '#ach-settlement-calculator .ac-radios input { display:none; }', '#ach-settlement-calculator .ac-radios label { flex:1; text-align:center; padding:7px 8px;', ' border-radius:6px; font-size:13px; font-weight:500; color:var(--ac-muted); cursor:pointer; user-select:none; }', '#ach-settlement-calculator .ac-radios input:checked + label { background:var(--ac-bg);', ' color:inherit; font-weight:600; box-shadow:0 1px 2px rgba(0,0,0,.08); }', '#ach-settlement-calculator .ac-result { margin-top:16px; padding:18px; border:1px solid var(--ac-border);', ' border-radius:10px; background:var(--ac-bg-soft); }', '#ach-settlement-calculator .ac-tag { font-size:11px; font-weight:600; letter-spacing:.08em;', ' text-transform:uppercase; color:var(--ac-muted); margin-bottom:6px; }', '#ach-settlement-calculator .ac-headline { font-size:20px; font-weight:700; line-height:1.3; }', '#ach-settlement-calculator .ac-headline-tz { font-size:13px; color:var(--ac-muted); margin-top:2px; }', '#ach-settlement-calculator .ac-rule { display:flex; gap:8px; align-items:flex-start; margin-top:12px;', ' padding:9px 11px; border-radius:8px; background:var(--ac-accent-soft); color:var(--ac-accent);', ' font-size:13px; font-weight:500; }', '#ach-settlement-calculator .ac-rule.ac-warn { background:var(--ac-warn-soft); color:var(--ac-warn); }', '#ach-settlement-calculator .ac-strip { display:grid; grid-template-columns:1fr 1fr 1fr; gap:8px;', ' margin-top:14px; font-size:12px; color:var(--ac-muted); }', '#ach-settlement-calculator .ac-strip b { display:block; color:inherit; font-weight:600; font-size:11px;', ' text-transform:uppercase; letter-spacing:.05em; margin-bottom:1px; }', '#ach-settlement-calculator .ac-strip .ac-mid { text-align:center; }', '#ach-settlement-calculator .ac-strip .ac-end { text-align:right; }', '#ach-settlement-calculator .ac-foot { margin-top:14px; padding-top:10px; border-top:1px dashed var(--ac-border);', ' font-size:11.5px; color:var(--ac-muted); line-height:1.5; }', '@media (max-width:640px) { #ach-settlement-calculator .ac-controls { grid-template-columns:1fr; } }' ].join('\n'); // ---------- UI ---------- function build(container) { if (!document.getElementById(STYLE_ID)) { var style = document.createElement('style'); style.id = STYLE_ID; style.textContent = CSS; document.head.appendChild(style); } container.innerHTML = '

' + '

' + ' Submitted at' + ' ' + '

' + '

' + ' Time zone' + ' ' + '

' + '

' + ' Type' + '

' + ' ' + ' Same Day ACH' + ' ' + ' Next Day ACH' + ' ' + ' Return' + '

' + '

Expected settlement

' + '

✓

' + '

Submitted

' + '

Cutoff

' + '

Settles

' + '

Estimates only, based on the cutoff tables on this page and the Federal Reserve' + ' holiday calendar (loaded through 2026). Same Day ACH is capped at $1,000,000 per transfer; larger' + ' transfers process as next-day. Actual settlement can differ for transfers held for review.

'; var $ = function (id) { return container.querySelector('#' + id); }; function render() { var dtVal = $('ac-dt').value; if (!dtVal) return; var tz = $('ac-tz').value; var speed = container.querySelector('input[name="ac-speed"]:checked').value; var parts = dtVal.split('T'); var d = parts[0].split('-').map(Number); var t = parts[1].split(':').map(Number); var instant = zonedDateTime(d[0], d[1], d[2], t[0], t[1], tz); var r = compute(instant, speed); if (!r) { $('ac-headline').textContent = 'Unable to compute'; return; } $('ac-headline').textContent = fmtLong(r.settle, CT) + ' CT'; $('ac-headline-tz').textContent = tz === CT ? '' : fmtLong(r.settle, tz) + ' ' + tzAbbrev(r.settle, tz) + ' in your time zone'; var ruleText, warn = false; var settleDay = fmtDay(r.settle); var settleTime = fmtTime(r.settle) + ' CT'; if (!r.submittedOnBankingDay) { ruleText = 'Submitted on a non-business day; settles ' + settleDay + ' at ' + settleTime + '.'; warn = true; } else if (speed === 'same-day' && r.actualSameDay && !r.missedAll) { ruleText = 'Caught the ' + cutoffCT({ y: d[0], m: d[1], d: d[2] }, r.caughtCutoff) + ' Same Day ACH cutoff; settles today at ' + settleTime + '.'; } else if (speed === 'same-day' && r.converted) { ruleText = 'Past the 2:00 PM CT Same Day ACH cutoff; converted to next-day delivery and settles ' + settleDay + ' at ' + settleTime + '.'; warn = true; } else if (speed === 'same-day' && r.missedAll) { ruleText = "Past today's last cutoff; carried in " + settleDay + "'s same-day windows and settles at " + settleTime + '.'; warn = true; } else if (r.missedAll) { ruleText = 'Missed the 10:00 PM CT cutoff; processed with the next day\'s transfers and settles ' + settleDay + ' at ' + settleTime + '.'; warn = true; } else { ruleText = 'Caught the ' + cutoffCT({ y: d[0], m: d[1], d: d[2] }, r.caughtCutoff) + ' cutoff; settles ' + settleDay + ' at ' + settleTime + '.'; } $('ac-rule-text').textContent = ruleText; $('ac-rule').className = 'ac-rule' + (warn ? ' ac-warn' : ''); $('ac-rule-icon').innerHTML = warn ? '⚠' : '✓'; $('ac-t-sub').textContent = fmtShort(instant, CT) + ' CT'; $('ac-t-cut').textContent = r.caughtCutoff ? cutoffCT({ y: d[0], m: d[1], d: d[2] }, r.caughtCutoff) : "Next day's windows"; $('ac-t-set').textContent = fmtShort(r.settle, CT) + ' CT'; } function setNow() { var wc = wallClock(new Date(), CT); $('ac-dt').value = wc.year + '-' + pad(wc.month) + '-' + pad(wc.day) + 'T' + pad(wc.hour) + ':' + pad(wc.minute); $('ac-tz').value = CT; } $('ac-dt').addEventListener('input', render); $('ac-tz').addEventListener('change', render); container.querySelectorAll('input[name="ac-speed"]').forEach(function (el) { el.addEventListener('change', render); }); setNow(); render(); } // ---------- Mount (initial load + Mintlify client-side navigation) ---------- function mountIfPresent() { var el = document.getElementById(CONTAINER_ID); if (el && !el.getAttribute('data-ac-mounted')) { el.setAttribute('data-ac-mounted', '1'); build(el); } } if (typeof document !== 'undefined' && typeof MutationObserver !== 'undefined') { mountIfPresent(); new MutationObserver(mountIfPresent) .observe(document.documentElement, { childList: true, subtree: true }); } // Test hook (Node only; inert in the browser) if (typeof module !== 'undefined' && module.exports) { module.exports = { compute: compute, zonedDateTime: zonedDateTime, wallClock: wallClock, dIso: dIso, ET: ET, CT: CT }; } })();