Why was my ACH transfer rejected?

1. Exceeded daily limit — split into multiple days 2. Insufficient funds — check available (not pending) balance 3. Invalid routing number — verify recipient details 4. Account restrictions — contact support

Do incoming ACH transfers count toward my limit?

No. Incoming ACH has no limit at Holdings. Only outbound is capped.

Can I schedule large ACH transfers in advance?

Yes, up to 90 days in advance. Subject to same limits.

How long do ACH transfers take?

| Type | Sending | Receiving | |------|---------|-----------| | Standard | 1-3 business days | 1-2 business days | | Same-day | Same business day | Same business day |

Are there limits on number of transfers?

No limit on count — only total dollar amount per day.

What is the NACHA ACH limit?

NACHA sets $1,000,000 per transaction for same-day ACH. Standard ACH has no NACHA limit — individual bank limits apply.

Can I increase my ACH limits at Holdings?

Yes. Contact support with your business details. Most increases approved within 1-2 business days.

Do ACH limits reset daily?

Yes. Daily limits reset at midnight ET. Monthly limits reset on the 1st.

ACH Transfer Limits: Daily, Monthly & Per-Transaction Guide

Understand ACH transfer limits at Holdings and across banking — daily caps, monthly limits, how to increase them, and ACH vs. wire comparison.

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Explore Holdings

Product

Business Banking

Zero-fee checking with 1.75% APY, FDIC insured to $3M.

Feature

1.75% APY

Earn 1.75% APY on every dollar. No minimums.

Feature

FDIC Coverage to $3M

Extended FDIC insurance through partner bank network.

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Pricing

Transparent pricing with zero hidden fees.