Submission Windows
EFT transactions are processed in batch windows throughout the business day (Eastern Time). The settlement tier determines when funds reach the recipient and which submission deadline applies.
| Settlement | Settlement Timing | Submission Cutoff (EST) |
|---|---|---|
| Same Day | Settles same business day | 1:00 PM |
| T+1 | 1 business day from submission | 6:00 PM |
| T+2 | 2 business days from submission | 6:00 PM |
| T+3 | 3 business days from submission | 6:00 PM |
Transactions submitted after the cutoff are processed in the next available window. EFT is not processed on weekends or Canadian statutory holidays.
Updated 2 days ago
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