Deposit Timing
Deposits are created each US banking day for merchants with released payment volume:
- Card transactions: Deposited the next business day (T+1)
- ACH transactions: Deposited four business days after the transaction (T+4)
ACH transactions aren't processed on weekends or banking holidays, so the transaction date ("T") may differ from the purchase date for transactions initiated on Saturdays, Sundays, or holidays.
View bank-recognized holidays: https://www.federalreserve.gov/aboutthefed/k8.htm
Take a look at some transaction examples and their associated deposit date below:
Card Transactions (T+1) - 11pm ET Cutoff
| Transaction Date (T) | Deposit (T+1) |
| Monday | Tuesday |
| Tuesday | Wednesday |
| Wednesday | Thursday |
| Thursday | Friday |
| Friday | Monday |
| Saturday | Monday |
| Sunday | Monday |
ACH Transactions (T+4) - 9pm ET Cutoff
| Transaction Date (T) | Deposit (T+4) |
| Monday* | Friday |
| Tuesday | Monday |
| Wednesday | Tuesday |
| Thursday | Wednesday |
| Friday | Thursday |
*Includes transactions entered on Saturday, Sunday, or Monday
If your deposit is delayed:
- Verify the timing: ACH deposits can take up to 5 business days
- Check for offsets: Confirm the deposit wasn't reduced by refunds or chargebacks
- Contact support: If the timing is correct and there are no offsets, email us at support@akutehealth.com