The ACH transaction happens instantly. What your banks are doing in the meantime is another matter. Probably not even going via ACH, rather through treasury d

The ACH transaction happens instantly. What your banks are doing in the meantime is another matter. Probably not even going via ACH, rather through treasury department nettings, mitigated against each other, just because that's accepted. RTGS really is Real Time Gross Settlement. If you're led to believe elsewise, you're being conned.