ACH Cutoff Times — When Does Money Move?
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ACH cutoff: typically 4:00 PM Eastern
The key time to know for outgoing ACH payments from Truss:
| When you submit | When it arrives |
|---|---|
| Before 4:00 PM ET on a business day | Same business day |
| After 4:00 PM ET or on weekend/holiday | Next business day |
Heads up: ACH does not process on federal bank holidays or weekends. A payment submitted Friday evening will go out Monday morning.
Tip: The date shown in Truss for a completed transfer is when Truss posted the payment on our end — not necessarily when funds appear in your external bank. Your external bank may take an additional business day to make the funds available after the post date.
Standard ACH transfer timing
Standard ACH transfers from Truss to your external bank are available same business day if submitted before the cutoff (typically 4:00 PM ET). After the cutoff, expect next business day.
Instant transfer timing
Instant transfers push to your debit card and are usually available within minutes — 24/7, including weekends.
Check your payment status
Go to Transactions to see the status of any payment — Pending, Processing, Sent, or Failed.