Calculate the exact arrival time of your US domestic or international bank transfer. Supporting ACH, Same-Day ACH, wire transfers, and RTP/FedNow instant payments across all major US banks.
Select your sending and receiving banks, choose a payment method, and enter the time you're making the transfer.
Three simple steps to find out when your money will arrive.
Choose the bank you're sending money from and the bank that will receive it. We support all major US banks including JPMorgan Chase, Bank of America, Wells Fargo, and more.
Select whether you're using ACH (1-3 business days), Same-Day ACH, a domestic wire transfer (Fedwire), or an instant payment via RTP/FedNow.
Tell us when you're sending the payment and we'll calculate exactly when the funds will arrive in the recipient's account.
Understanding the four main ways to send money between US bank accounts.
The Automated Clearing House is the backbone of US electronic payments, handling direct deposits, bill payments, and bank-to-bank transfers. ACH processes payments in batches through the Federal Reserve and The Clearing House, typically taking 1-3 business days.
An accelerated version of ACH that allows transfers to be processed and delivered on the same business day. Multiple processing windows operate throughout the day. Ideal for urgent payments that don't require real-time delivery.
Fedwire is the Federal Reserve's real-time gross settlement system for high-value, time-sensitive payments. Wire transfers are irrevocable and settled individually. Must be initiated before the bank's daily cutoff time on business days.
RTP (Real-Time Payments) by The Clearing House and FedNow by the Federal Reserve deliver funds in seconds, 24 hours a day, 7 days a week, 365 days a year. These systems are transforming US payments with true real-time settlement.
Our calculator covers all major US banks and financial institutions.
Sending money between US bank accounts is something millions of Americans do every day. Whether you're paying rent, sending money to family, settling a bill, or closing on a home, understanding how long your bank transfer will take is essential for financial planning.
ACH (Automated Clearing House) is the most widely used electronic payment system in the United States, processing billions of transactions annually. When you set up a direct deposit, pay a bill online, or transfer money between bank accounts, it's most likely going through the ACH network.
Standard ACH transfers typically take 1-3 business days to complete. The ACH network processes payments in batches, with settlement occurring at scheduled intervals throughout the day. Factors that affect ACH timing include:
Same-Day ACH was introduced by NACHA to provide faster settlement for ACH payments. It allows transactions to be processed and settled on the same business day, with multiple processing windows throughout the day. The per-transaction limit is $1,000,000. Same-Day ACH is available for both credits and debits, making it useful for payroll, business-to-business payments, and urgent consumer transfers.
Domestic wire transfers in the US are processed through the Fedwire Funds Service, operated by the Federal Reserve. Wire transfers are ideal for high-value, time-sensitive payments such as real estate closings, large business transactions, and emergency funds transfers.
Key facts about US wire transfers:
The US now has two real-time payment systems: RTP (Real-Time Payments) operated by The Clearing House, launched in 2017, and FedNow, launched by the Federal Reserve in 2023. Both systems deliver funds in seconds, 24/7/365. RTP supports transactions up to $1,000,000, while FedNow currently supports up to $500,000. Bank adoption is growing steadily, with most major US banks now connected to one or both networks.
US federal holidays significantly affect ACH and wire transfer processing. On federal holidays, these systems do not operate, meaning payments are delayed to the next business day. RTP and FedNow, however, continue to operate 24/7, including on all federal holidays.
The 2026 US federal holidays are: New Year's Day (January 1), Martin Luther King Jr. Day (January 19), Presidents' Day (February 16), Memorial Day (May 25), Juneteenth (June 19), Independence Day (July 3 - observed), Labor Day (September 7), Columbus Day (October 12), Veterans Day (November 11), Thanksgiving Day (November 26), and Christmas Day (December 25).
Sending money abroad from the US typically involves the SWIFT (Society for Worldwide Interbank Financial Telecommunication) network. Our international calculator covers 30+ countries and hundreds of banks worldwide.
International wire transfer times from the US vary by destination:
US banks typically have international wire cutoff times between 2:00 PM and 4:00 PM ET. Transfers sent after cutoff will begin processing on the next business day.
Everything you need to know about US bank transfers.
A standard ACH transfer typically takes 1-3 business days to complete. ACH payments are processed in batches by the Federal Reserve and The Clearing House. If you initiate a transfer before your bank's cutoff time on a business day, processing begins that day. Transfers submitted on weekends or federal holidays won't begin processing until the next business day. Same-Day ACH is available for faster settlement on the same business day.
ACH transfers and wire transfers do not process on weekends or federal holidays — only on business days (Monday through Friday). Same-Day ACH also only operates on business days. However, RTP and FedNow instant payments operate 24/7/365, including weekends and all federal holidays, delivering funds in seconds at any time. If you send an ACH payment on Friday after the cutoff, it won't begin processing until Monday.
ACH is a batch processing system that settles transactions in 1-3 business days (or same day with Same-Day ACH). It's low cost or free and is used for payroll, bill payments, and routine transfers. Wire transfers (Fedwire) settle individually in real-time on the same business day. They cost $15-$35 and are used for high-value, time-sensitive payments like real estate closings. Wire transfers are irrevocable, while ACH transactions can sometimes be reversed.
RTP (Real-Time Payments) by The Clearing House and FedNow by the Federal Reserve are instant payment systems that deliver funds in seconds, 24 hours a day, 7 days a week, 365 days a year. RTP supports transactions up to $1,000,000 and FedNow up to $500,000. Unlike ACH or wires, these systems work on weekends and holidays. Not all banks support them yet, but adoption is growing rapidly across the US banking system.
Wire transfers and RTP/FedNow payments are irrevocable — once sent, they cannot be reversed. If you sent money to the wrong account, contact your bank immediately, but recovery is not guaranteed. ACH transactions have a limited reversal window — for unauthorized debits, consumers have 60 days to dispute. For errors, the originator can initiate a reversal within 5 business days. Always double-check routing numbers and account numbers before confirming any transfer.
International wire transfer times from the US depend on the destination and method. Transfers to Canada typically take 1-2 business days. To the UK and Europe, expect 1-3 business days. Transfers to Asia, Africa, or South America may take 2-5 business days. Factors such as correspondent banks, compliance checks (AML/KYC), time zones, currency conversion, and local holidays can all affect delivery times. Use our international calculator for estimates specific to your bank and destination.