The transfer processing time denotes the duration required for a bank transfer to complete. Understanding transfer processing times helps ensure seamless user experience, workflow optimization, and business operations. By managing expectations and designing efficient processes, you can enhance your customer experience and drive business success.
Standard ACH is the default processing option for bank transfers, requiring no additional setup or configuration. Any transfer created will automatically follow the standard clearing time. It applies to both ACH payment in (debit) and ACH payment out (credit) transfers.
A Standard ACH debit from a bank to the Dwolla Network processes within 3-4 business days. This extended processing time accounts for ACH returns and processing delays, and checks on common return codes like insufficient funds and invalid bank accounts.
Standard ACH Debit Transfer Schedule for Veridian Credit Union
All times in Central Time (CT) (*approximate deadlines)
Transfer created between
Transfer exported
Transfer processed
Friday 4 p.m. to Monday 4 p.m.
Monday 4 p.m.
Thursday morning
Monday 4 p.m. to Tuesday 4 p.m.
Tuesday 4 p.m.
Friday morning
Tuesday 4 p.m. to Wednesday 4 p.m.
Wednesday 4 p.m.
Monday morning
Wednesday 4 p.m. to Thursday 4 p.m.
Thursday 4 p.m.
Tuesday morning
Thursday 4 p.m. to Friday 4 p.m.
Friday 4 p.m.
Wednesday morning
Standard ACH Debit Transfer Schedule for KeyBank
All times in Central Time (CT) (*approximate deadlines)
Transfer created between
Transfer exported
Transfer processed
Friday 8 p.m. to Monday 8 a.m.
Monday 8 a.m.
Thursday morning
Monday 8 a.m. to Monday 12 p.m.
Monday 12 p.m.
Thursday morning
Monday 12 p.m. to Monday 2 p.m.
Monday 2 p.m.
Thursday morning
Monday 2 p.m. to Monday 8 p.m.
Monday 8 p.m.
Thursday morning
Monday 8 p.m. to Tuesday 8 a.m.
Tuesday 8 a.m.
Friday morning
Tuesday 8 a.m. to Tuesday 12 p.m.
Tuesday 12 p.m.
Friday morning
Tuesday 12 p.m. to Tuesday 2 p.m.
Tuesday 2 p.m.
Friday morning
Tuesday 2 p.m. to Tuesday 8 p.m.
Tuesday 8 p.m.
Friday morning
Tuesday 8 p.m. to Wednesday 8 a.m.
Wednesday 8 a.m.
Monday morning
Wednesday 8 a.m. to Wednesday 12 p.m.
Wednesday 12 p.m.
Monday morning
Wednesday 12 p.m. to Wednesday 2 p.m.
Wednesday 2 p.m.
Monday morning
Wednesday 2 p.m. to Wednesday 8 p.m.
Wednesday 8 p.m.
Monday morning
Wednesday 8 p.m. to Thursday 8 a.m.
Thursday 8 a.m.
Tuesday morning
Thursday 8 a.m. to Thursday 12 p.m.
Thursday 12 p.m.
Tuesday morning
Thursday 12 p.m. to Thursday 2 p.m.
Thursday 2 p.m.
Tuesday morning
Thursday 2 p.m. to Thursday 8 p.m.
Thursday 8 p.m.
Tuesday morning
Thursday 8 p.m. to Friday 8 a.m.
Friday 8 a.m.
Wednesday morning
Friday 8 a.m. to Friday 12 p.m.
Friday 12 p.m.
Wednesday morning
Friday 12 p.m. to Friday 2 p.m.
Friday 2 p.m.
Wednesday morning
Friday 2 p.m. to Friday 8 p.m.
Friday 8 p.m.
Wednesday morning
*Dwolla cannot guarantee an exact deadline for transmission of ACH files. Please be mindful that these are target cut-off times for transfer processing.
A Standard ACH credit from the Dwolla Network to a bank processes within 1-2 business days.
Standard ACH Credit Transfer Schedule for Veridian Credit Union
All times in Central Time (CT) (*approximate deadlines)
Transfer created between
Transfer exported
Transfer processed
Friday 4 p.m. to Monday 4 p.m.
Monday 4 p.m.
Tuesday morning
Monday 4 p.m. to Tuesday 4 p.m.
Tuesday 4 p.m.
Wednesday morning
Tuesday 4 p.m. to Wednesday 4 p.m.
Wednesday 4 p.m.
Thursday morning
Wednesday 4 p.m. to Thursday 4 p.m.
Thursday 4 p.m.
Friday morning
Thursday 4 p.m. to Friday 4 p.m.
Friday 4 p.m.
Monday morning
Standard ACH Credit Transfer Schedule for KeyBank
All times in Central Time (CT) (*approximate deadlines)
Transfer created between
Transfer exported
Transfer processed
Friday 8 p.m. to Monday 8 a.m.
Monday 8 a.m.
Tuesday morning
Monday 8 a.m. to Monday 12 p.m.
Monday 12 p.m.
Tuesday morning
Monday 12 p.m. to Monday 2 p.m.
Monday 2 p.m.
Tuesday morning
Monday 2 p.m. to Monday 8 p.m.
Monday 8 p.m.
Tuesday morning
Monday 8 p.m. to Tuesday 8 a.m.
Tuesday 8 a.m.
Wednesday morning
Tuesday 8 a.m. to Tuesday 12 p.m.
Tuesday 12 p.m.
Wednesday morning
Tuesday 12 p.m. to Tuesday 2 p.m.
Tuesday 2 p.m.
Wednesday morning
Tuesday 2 p.m. to Tuesday 8 p.m.
Tuesday 8 p.m.
Wednesday morning
Tuesday 8 p.m. to Wednesday 8 a.m.
Wednesday 8 a.m.
Thursday morning
Wednesday 8 a.m. to Wednesday 12 p.m.
Wednesday 12 p.m.
Thursday morning
Wednesday 12 p.m. to Wednesday 2 p.m.
Wednesday 2 p.m.
Thursday morning
Wednesday 2 p.m. to Wednesday 8 p.m.
Wednesday 8 p.m.
Thursday morning
Wednesday 8 p.m. to Thursday 8 a.m.
Thursday 8 a.m.
Friday morning
Thursday 8 a.m. to Thursday 12 p.m.
Thursday 12 p.m.
Friday morning
Thursday 12 p.m. to Thursday 2 p.m.
Thursday 2 p.m.
Friday morning
Thursday 2 p.m. to Thursday 8 p.m.
Thursday 8 p.m.
Friday morning
Thursday 8 p.m. to Friday 8 a.m.
Friday 8 a.m.
Monday morning
Friday 8 a.m. to Friday 12 p.m.
Friday 12 p.m.
Monday morning
Friday 12 p.m. to Friday 2 p.m.
Friday 2 p.m.
Monday morning
Friday 2 p.m. to Friday 8 p.m.
Friday 8 p.m.
Monday morning
*Dwolla cannot guarantee an exact deadline for transmission of ACH files. Please be mindful that these are target cut-off times for transfer processing.
Dwolla offers expedited clearing into the Dwolla Network from a bank account in the form of Next Day ACH. Funds are made available in the Dwolla Network 1-2 business days after a Next Day ACH debit transfer is created. Next Day ACH transfers can be enabled on an account-level basis for you and users that send funds on your application.Once obtaining approval from us, you will gain capability for Next Day ACH transfers into the Dwolla Network. Once activated, Next Day ACH is the default processing speed for all ACH debits unless you specify otherwise using the clearing object. Refer to the example clearing object below to slow down the processing time from Next Day to Standard.Example clearing Object (to slow down Next Day ACH):
Processing schedule: Business days only (unavailable on weekends and banking holidays)
Next Day ACH Debit Transfer Schedule for Veridian Credit Union
All times in Central Time (CT) (*approximate deadlines)
Transfer created between
Transfer exported
Transfer processed
Friday 4 p.m. to Monday 4 p.m.
Monday 4 p.m.
Tuesday morning
Monday 4 p.m. to Tuesday 4 p.m.
Tuesday 4 p.m.
Wednesday morning
Tuesday 4 p.m. to Wednesday 4 p.m.
Wednesday 4 p.m.
Thursday morning
Wednesday 4 p.m. to Thursday 4 p.m.
Thursday 4 p.m.
Friday morning
Thursday 4 p.m. to Friday 4 p.m.
Friday 4 p.m.
Monday morning
Next Day ACH Debit Transfer Schedule for KeyBank
All times in Central Time (CT) (*approximate deadlines)
Transfer created between
Transfer exported
Transfer processed
Friday 8 p.m. to Monday 8 a.m.
Monday 8 a.m.
Tuesday morning
Monday 8 a.m. to Monday 12 p.m.
Monday 12 p.m.
Tuesday morning
Monday 12 p.m. to Monday 2 p.m.
Monday 2 p.m.
Tuesday morning
Monday 2 p.m. to Monday 8 p.m.
Monday 8 p.m.
Tuesday morning
Monday 8 p.m. to Tuesday 8 a.m.
Tuesday 8 a.m.
Wednesday morning
Tuesday 8 a.m. to Tuesday 12 p.m.
Tuesday 12 p.m.
Wednesday morning
Tuesday 12 p.m. to Tuesday 2 p.m.
Tuesday 2 p.m.
Wednesday morning
Tuesday 2 p.m. to Tuesday 8 p.m.
Tuesday 8 p.m.
Wednesday morning
Tuesday 8 p.m. to Wednesday 8 a.m.
Wednesday 8 a.m.
Thursday morning
Wednesday 8 a.m. to Wednesday 12 p.m.
Wednesday 12 p.m.
Thursday morning
Wednesday 12 p.m. to Wednesday 2 p.m.
Wednesday 2 p.m.
Thursday morning
Wednesday 2 p.m. to Wednesday 8 p.m.
Wednesday 8 p.m.
Thursday morning
Wednesday 8 p.m. to Thursday 8 a.m.
Thursday 8 a.m.
Friday morning
Thursday 8 a.m. to Thursday 12 p.m.
Thursday 12 p.m.
Friday morning
Thursday 12 p.m. to Thursday 2 p.m.
Thursday 2 p.m.
Friday morning
Thursday 2 p.m. to Thursday 8 p.m.
Thursday 8 p.m.
Friday morning
Thursday 8 p.m. to Friday 8 a.m.
Friday 8 a.m.
Monday morning
Friday 8 a.m. to Friday 12 p.m.
Friday 12 p.m.
Monday morning
Friday 12 p.m. to Friday 2 p.m.
Friday 2 p.m.
Monday morning
Friday 2 p.m. to Friday 8 p.m.
Friday 8 p.m.
Monday morning
*Dwolla cannot guarantee an exact deadline for transmission of ACH files. Please be mindful that these are target cut-off times for transfer processing.
We can enable Same Day ACH transfers on an account-level basis for transfers within your application. With Same Day ACH, you can apply it to the ACH debit, the ACH credit, or both. After receiving approval from Dwolla to enable Same Day ACH for your account, you can create a Same Day debit and/or credit on a per-transfer basis by specifying it in the clearing object of an API transfer request.Transfer processing is expedited with Same Day ACH, but checks for common return codes may experience delays, which could increase the risk of losses incurred from return codes.
Processing Time: Once a Same Day ACH transfer is submitted before the deadline, it typically takes 0-1 business day to settle, regardless of whether it’s a debit or credit.
A Same Day ACH debit from the Dwolla Network to a bank processes within 0-1 business days. To initiate a debit transfer with Same Day ACH processing, you can include the following clearing object in your API request:Example clearing Object:
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{ "clearing": { "source": "next-available" }}
The “next-available” value indicates that the transfer will be exported in the next available Same Day ACH export window. Refer to the table below for a more detailed schedule of Same Day debit transfers.
Same Day ACH Debit Transfer Schedule
All times in Central Time (CT) (*approximate deadlines)
Transfer created between
Transfer exported
Transfer processed
3 p.m. to 9 a.m.
9 a.m.
11:30 a.m.
9 a.m. to 1 p.m.
1 p.m.
5 p.m.
1 p.m. to 3 p.m.
3 p.m.
5 p.m.
*Dwolla cannot guarantee an exact deadline for transmission of ACH files. Please be mindful that these are target cut-off times for transfer processing.
A Same Day ACH credit allows for expedited processing of funds from the Dwolla Network to a bank account within 0-1 business days. To initiate a credit transfer with Same Day ACH processing, you can include the following clearing object in your API request:Example clearing Object:
The “next-available” value indicates that the transfer will be exported in the next available Same Day ACH export window. Refer to the table below for a more detailed schedule of Same Day credit transfers.
Same Day ACH Credit Transfer Schedule
All times in Central Time (CT) (*approximate deadlines)
Transfer created between
Transfer exported
Transfer processed
3 p.m. to 9 a.m.
9 a.m.
11:30 a.m.
9 a.m. to 1 p.m.
1 p.m.
5 p.m.
1 p.m. to 3 p.m.
3 p.m.
5 p.m.
*Dwolla cannot guarantee an exact deadline for transmission of ACH files. Please be mindful that these are target cut-off times for transfer processing.
Instant Payments is a payment method that allows for near-instantaneous transfer processing through two US-based payment networks:
RTP® Network - Operated by The Clearing House (TCH)
FedNow® Service - Operated by the Federal Reserve Bank (FRB)
When you initiate an Instant Payment, Dwolla routes the transfer to the appropriate network based on availability and configuration. The specific network used (RTP or FedNow) is indicated in the transfer response through either an rtpDetails object or a fedNowDetails object.
Transfer processing time: Funds available within minutes
Processing schedule: 24/7/365 (business days, weekends and banking holidays)
To initiate a credit transfer with Instant Payment processing, you can include the following processingChannel object in your API request:Example processingChannel Object:
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"processingChannel": { "destination": "instant"}
For backward compatibility you can also use real-time-payments as an alternative value for processingChannel.destination. Both values are functionally equivalent and will route to either RTP or FedNow based on availability. However, we recommend using instant.
Canceling a transfer: Transfers can be canceled up until they are exported out of the Dwolla Network. To help you determine if a transfer is eligible for cancellation, Dwolla will return a cancel link on the transfer resource.Export cut-off: Please note that while there’s a cut-off time for transfer processing, it’s not a strict deadline. In some cases, the export out of the Dwolla Network may experience delays, causing transfers created slightly after the cut-off time to be included in the same batch. As a best practice, we recommend using the cancel link returned on the transfer resource to determine if a transfer is cancellable instead of relying solely on the export timing.ACH return: Next Day ACH and Same Day ACH expedites the transfer processing time; however, checks for common return codes might experience delays which may increase the risk of losses incurred from return codes.
