Your funds transfer request enters into the ACH system on the same business day as you submitted the transfer, provided you make your transfer request before the cutoff time. Otherwise, the request will be sent the next business day.
Transfers are posted to your account the next business day. However, depending on the financial institution, it may take an additional business day for the transaction to be reflected in your account balance. Once funds are received from your source account, the process is repeated to send the money to the destination account. The process may take three to five business days in order to complete delivery of the funds.