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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

Wire

Typical Funds Availability

Immediate

Throughout Transaction Day

Immediate

Processing

24x7x365

During Business Hours

During Business Hours