Processing Windows & Cutoff Times
Fiat Transfers
BM accesses fiat rails only on U.S. banking days. Please plan your transactions accordingly to avoid delays.
Transactions submitted before 3:45 PM ET on a U.S. business day will typically be processed the same day.
Transactions submitted after 3:45 PM ET or on non-business days will be processed on the next business day.
Currency
Rail
Cutoff (ET)
Settlement Time
Notes
USD
Same Day ACH
9:30 AM,
1:45 PM,
3:45 PM
1:00 PM,
5:00 PM,
6:00 PM
same day
Same-day settlement at receiving bank. Availability depends on that bank.
Crypto Transfers (On-Ramp Processing)
BM will typically send crypto within minutes after fiat is received in our bank account.
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