ACH Settlement Date Calculator

Live. When does this ACH payment settle, does Same Day ACH apply, and until when can it still be returned?

Send up to 1,000 ACH payments with submission time, amount and SEC code. Returns the settlement date on the Federal Reserve banking calendar, whether a Same Day ACH window applies (10:30 a.m., 2:45 p.m. and 4:45 p.m. ET submission, $1 million per-entry limit, no IAT), future effective dates and holiday roll-forward, the 2-banking-day return deadline and the 60-day consumer unauthorized-return deadline (R05, R07, R10, R11, R51), and when it is safe to send a paid-in-full letter or update credit reporting. Optional ODFI cutoff offset. Nothing stored.

Price: $0.000 per call after 1,000 free per month.

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