What is the difference between instant payments, ACH, and Wire Transfers?

The biggest difference is funds availability and processing times. 

Although same-day ACH and Wire Transfers move funds quicker than a next-day ACH or check, they still aren’t processed as quickly as RTP® or FedNow transactions. Here's how they stack up:


RTP® or FedNow

Same-Day ACH


Typical Funds Availability


Throughout Transaction Day




During Business Hours

During Business Hours


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