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Timing & cutoffs

GIB's API accepts submissions 24/7, 365 days a year. When a Transaction actually settles depends on the rail it runs on and the operating schedule of the underlying network: the Federal Reserve for ACH, domestic wire, and ICL, SWIFT for international wire, and GIB's own ledger for BOOK. This page is the single reference for submission cutoffs, processing windows, and business-day rules across every rail.

All times are Central. The ACH, wire, and ICL networks operate on business days only (Monday to Friday, excluding federal holidays). The cutoffs below are GIB's standard operational defaults; the specifics for your program are confirmed during onboarding and set out in your program agreement.

ACH

Outbound (GIB as ODFI)

  • GIB processes outbound ACH files at approximately 7:30 AM, 2:00 PM, 3:30 PM, and 4:00 PM Central. Regardless of when an ACH is created, it typically settles no later than the opening of the following business day.
  • Standard (2-day) origination cutoff: 4:00 PM Central.
  • Same Day ACH cutoff: 3:00 PM Central.
  • GIB confirms ACH origination via webhook. For OFAC hits, the entire ACH batch is rejected and you are notified; you must remove the flagged entries and rebalance the file.
  • Neither GIB nor our correspondent generally changes addenda content. Confirm passthrough of any required data during the penny-test phase.

Inbound (GIB as RDFI)

  • Inbound files are pushed to GIB throughout the day.
  • GIB processes inbound ACH at bank opening (approximately 7:30 AM), 2:30 PM, and 4:30 PM Central.
  • Confirmation files for ACH receipt are available in .ach format.

Domestic wire

Domestic wires settle in real time over the Federal Reserve's interbank settlement service (Fedwire) on business days, with immediate finality once released to the Fed.

  • GIB generally processes outbound wires upon receipt; allow up to 45 minutes for processing.
  • Final processing cutoff: 4:00 PM Central.
  • Approximately 15 to 20 minutes after a wire is released to the Federal Reserve, GIB receives a confirmation containing the IMAD and/or OMAD and the UETR. Wire confirmation files are provided in .dat format.
  • Inbound wires are received throughout the day.

See Wire (Domestic).

International wire

International wires are sent through GIB's U.S. correspondent and onward over SWIFT to the destination bank. GIB's outbound processing follows the same wire schedule: generally processed on receipt (allow up to 45 minutes), with a 4:00 PM Central final-processing cutoff. Each wire carries a UETR for end-to-end tracking. Onward settlement timing then varies by destination country, the correspondent chain, and local market hours.

See Wire (International).

BOOK

BOOK transfers move funds between two accounts within GIB and post to GIB's ledger. They are processed during business hours. See BOOK Transactions.

Check (ICL)

Check deposits clear as Image Cash Letters (Check 21) through the Federal Reserve on business days; funds availability follows Regulation CC (see ICL → Funds availability).

  • ICL files can be sent to GIB at any time.
  • Forward files are processed at 7:00 AM, 11:00 AM, and 3:10 PM Central. Memo posts are added to the impacted accounts shortly after each processing run, not on receipt.
  • Supported ICL file types: x937 and .dat.
  • A trace/sequence number is assigned by the Bank of First Deposit and each subsequent bank that handles the check.

See Check (ICL) Transactions.