ACH Payroll Planner

Choose an ACH Lead Time 2 day 4 day

Choose Mode Pick Pay Date → Run-by Date Pick Run Date → Pay Date

Choose a date

Review time zone

Lead time counts full business days. Weekends and Federal Reserve banking holidays are excluded.

How this works

Cutoff is always 8:00 pm ET. We show the matching local time for your selected zone.

Pay → Run-by: shows the last day to approve by your local cutoff to hit the chosen pay date.

Run → Pay: assumes approval by your local cutoff on the selected run date.