ACH Processing Schedule

Credits & debits are processed on different schedules and are reflected here. See the ACH Processing Holiday Calendar for recognized holidays that impact processing.

All times listed are in the Pacific Time Zone.All times listed are in the Pacific Time Zone.

All times listed are in the Pacific Time Zone.

Sameday

From processing type: SAME_DAY_ACH

Standard

From processing type: STANDARD_ACH

Instant ACH

For processing type: INSTANT_ACH. Sila tokens are available immediately for the end user, but dollars from their bank account are processed as SAME_DAY_ACH if the 9:30am PT cutoff has not been breached.

Returns related to INSTANT_ACH follow the below schedule when the underlying transaction is processed as SAME_DAY_ACH

Instant ACH

For processing type: INSTANT_ACH. Sila tokens are available immediately for the end user, but dollars from their bank account are processed as STANDARD_ACH if the 9:30am PT cutoff time for sameday has been missed.

Returns related to INSTANT_ACH follow the below schedule when the underlying transaction is processed as STANDARD_ACH

Instant ACH: originating from an Evolve account (same-day)

For processing type: INSTANT_ACH where the underlying bank account is at Evolve Bank and Trust. Sila tokens are available immediately for the end user, but dollars from their Evolve bank account are processed as SAME_DAY_ACH if the 9:30am PT cutoff has not been breached.

Returns related to INSTANT_ACH where the underlying bank account is at Evolve Bank and Trust follow the below schedule when the underlying transaction is processed as SAME_DAY_ACH

Instant ACH: originating from an Evolve account (standard)

For processing type: INSTANT_ACH where the underlying bank account is at Evolve Bank and Trust. Sila tokens are available immediately for the end user, but dollars from their Evolve bank account are processed as STANDARD_ACH if the 9:30am PT cutoff time for same-day has been missed.

Returns related to INSTANT_ACH where the underlying bank account is at Evolve Bank and Trust follow the below schedule when the underlying transaction is processed as STANDARD_ACH


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