---
title: "US ACH settlement estimate"
method: GET
path: "/v1/ach/settlement"
---

# US ACH settlement estimate

`GET /v1/ach/settlement`

## Request

- Base URL: `https://bankday.dev`
- URL: `https://bankday.dev/v1/ach/settlement`
- Auth: HTTP bearer

Estimates when an ACH entry settles at the Federal Reserve, given when you submit it. Same Day ACH uses the three FedACH windows (submission deadlines 10:30 a.m., 2:45 p.m. and 4:45 p.m. ET; settlement 1:00, 5:00 and 6:00 p.m. ET) and the $1,000,000 per-payment limit. Standard ACH settles the next settlement day at 8:30 a.m. ET. Your bank's (ODFI's) cut-offs are earlier than the Fed's.

## Query parameters

- `submitted_at` string
- `type` string
- `amount` string

## Response `200`

OK

- object

## Other responses

- `400`: Error
- `401`: Error
- `404`: Error
- `422`: Error
- `429`: Error

---

[API](https://skmtc.dev/bankday/apis/bankday-api.md) · [All operations](https://skmtc.dev/bankday/apis/bankday-api/llms.txt) · [OpenAPI document](https://skmtc.dev/bankday/apis/bankday-api/revisions/64cfaa415994?raw)