Documentation

The Federal Reserve provides five daily settlement windows during business days.

Standard Timing

By default, Column sends ACH requests using standard timing. This means that, regardless of when the ACH is created, it will settle no later than the opening of the following business day.

It's possible, but not guaranteed that funds will arrive sooner than the Target Settlement.

Same Day Timing

Column allows you to send ACH transfers same day, provided they are submitted before the last API request deadline (1:40pm PST). ACH transfers submitted after the deadline will automatically be sent with standard timing.

Creating same day transfers with the API

To send an ACH same day, it must meet the following criteria:

1. The ACH must be submitted to Column no later than 1:40pm PST.
2. The ACH must set same_day=true and/or effective_on = today.

*If same_day=false, ACH will be sent with standard timing regardless of effective_date.

*Business days