What is the clearing period for ACH debit and ACH credits?

Timing for ACH debit:

The current ACH debit (pulling funds into your Currence account) clearing period is 3 business days, with a cutoff of 3pm EST each day to initiate the ACH.

Example: A transaction was initiated after the 3pm EST cutoff on Monday 1/9.

1/10 is day 0 (to process the transaction),

1/11 day 1,

1/12 day 2, and

1/13 day 3 when you can expect the funds to settle.

Timing for ACH credit:
ACH credits (pushing funds to an external account) don't have a clearing period, so ACH credits initiated before the 3pm EST cutoff should post next business day. If initiated after the cutoff it will be one business day later.