# Timing

Each business day, Column offers six API request deadlines synchronized with Federal Reserve settlement windows.

> **Note**
>
> #### ACH Business Days
>
> While Column is open 24/7, 365 days a year, the ACH system at the Federal Reserve is not. The Fed processes FedACH transfers Monday-Friday excluding [these holidays](https://www.federalreserve.gov/aboutthefed/k8.htm).
>
> Fedwire has its own business hours. See the [wire](/wire) section for specific timing information.

### Standard Timing

By default, Column sends ACH requests using standard timing. This means that, regardless of when the ACH is created, it will settle no later than the opening of the following business day.

| API Request Deadline | Target Settlement             |
| -------------------- | ----------------------------- |
| 7:15am PT            | 5:30am PT - next business day |
| 11:30am PT           | 5:30am PT - next business day |
| 1:30pm PT            | 5:30am PT - next business day |
| 4:45pm PT            | 5:30am PT - next business day |
| 7:30pm PT            | 5:30am PT - next business day |
| 11:00pm PT           | 5:30am PT - next business day |

It's possible, but not guaranteed, that funds will arrive sooner than the Target Settlement.

### Same Day Timing

Column allows you to send ACH transfers same-day, provided they are submitted before the last API request deadline (1:30pm PT). ACH transfers submitted after the deadline will automatically be sent with standard timing.

| API Request Deadline | Target Settlement  |
| -------------------- | ------------------ |
| 7:15am PT            | 10am PT - same day |
| 11:30am PT           | 2pm PT - same day  |
| 1:30pm PT            | 3pm PT - same day  |

### Creating same day transfers with the API

To be sent same-day, an ACH must meet the following criteria:

1. The ACH must be submitted to Column no later than 1:30pm PT.
2. The ACH must set `same_day = true` and/or `effective_on = today`.

\*If `same_day = false`, ACH will be sent with standard timing regardless of `effective_date`.

| Submission Time (PT)\* | `same_day` | `effective_date` | Processed as same day? |
| ---------------------- | ---------- | ---------------- | ---------------------- |
| Before 1:30pm          | true       | null             | yes                    |
| After 1:30pm           | true       | null             | no                     |
| Before 1:30pm          | null       | today            | yes                    |
| After 1:30pm           | true       | today            | no                     |
| Before 1:30pm          | null       | null             | no                     |
| Before 1:30pm          | false      | today            | no                     |

\*Business days