How to make ach transfers faster

Why pushing is faster than pulling

ACH pushes are usually faster because the sending bank can directly confirm the funds exist and the transfer is authorized. They often take 1–2 business days, and may arrive even sooner depending on the bank’s ACH processing windows.

What's the fastest possible ACH push?

2 hours into Envelope was the fastest ACH push we've seen. This was initiated early in the morning (before ACH windows closed) from an institution that had same-day ACH transfers enabled.

How long do pulls take?

ACH pulls (using the Envelope app to create a transfer) are slower and can take up to 5 business days. A pull means Envelope is requesting money from another bank account, which carries more return and fraud risk. Because of this, ACH pulls are subject to a $1,000 ACH pull limit for new users.

For the fastest transfer, use the bank or app where the money is already held and send the funds to Envelope from there.

How to send an ACH push to Envelope

1. Find your Envelope account and routing numbers in the Account tab.

2. Open the bank or app holding the funds.

3. Link Envelope through Plaid Exchange or add it manually as an external account.

4. Initiate the transfer from that bank to Envelope.

Transfer speed and limits are controlled in part by the sending institution. For other options, see Ways to deposit money.