The amount of time a transfer takes to settle will depend on the transfer type, and are each outlined here. All cash transfers created over the weekend, or bank holidays, will start processing the following business day.
These will settle within 6 business days from when they start processing. If the ACH is being sent to an external bank, they may choose to make the funds available sooner.
If created before 9AM PT, they will settle the same day at 3PM PT.
If created between 9AM - 3PM PT, they will settle the next business day at 3PM PT.
If created after 3PM PT, they will settle sometime during the evening the next business day.
Wires sent before 12 Noon PT, will send same day. Wires sent after 12 Noon PT, will send the next business day. Wires deposits are credited as soon as they are received.