The FRB produces six sets of files each business day on weekdays, Monday through Friday, except for Federal Holidays. CU*Answers posts the files as follows:
- CU*Answers receives the first and sixth set of files overnight and posts them by 8:30 AM ET.
- As this posting is a combined posting, two Receive reports and one Posting report are produced.
- CU*Answers receives the second set of files by noon and posts by 1:00 PM ET.
- Same-day credits must be posted with this file.
- CU*Answers receives the third set of files by 4:00 PM ET and posts by 5:00 PM ET.
- Same-day credits must be posted with this file.
- CU*Answers retrieves the fourth and fifth set of files at 5:30 PM ET and 10:00 PM ET and posts them prior to the close of business day, 10:30 PM ET.
- As this posting is a combined posting, two Receive reports and one Posting report are produced.
Please remember that these
posting times are approximate and may vary.
This posting rubric applies to CU*Answers online credit unions. Credit unions that participate in agreements with differing processors or services (such as CUaxis , CU*NorthWest, CU*South, etc.) may have different guidelines and timelines for their ACH posting activity.
Fed Schedule:
Keep in mind that the FRD’s distribution day starts at noon; our posting #1 correlates to their 5th & 6th files / future business day. Schedule shown is as of August 2026 and is subject to change. Refer to https://www.frbservices.org/resources/resource-centers/same-day-ach/fedach-processing-schedule.html for the most current schedule.
