Knowing when and how funds will appear in your bank account is essential for cash flow planning. This article explains how deposits work, how to track them, and what might cause delays for CivicPlus Payments.
Note:
If you’re using an external processor, please reach out to them for deposit schedules, timing, and tracking.
How Deposits Work
We issue one combined deposit per day to your bank account, not per transaction. Each deposit includes:
All approved cards and ACH transactions are settled before the daily cutoff
Any refunds or adjustments from the previous day
Net amount after fees (in rare scenarios, fees are billed separately)
Deposits typically appear in your bank account the next business day after settlement.
Daily Cutoff Times
Transactions must be captured and settled before the daily cutoff to be included in the next day’s deposit. Our batch cutoff time depends on the payment type:
Payment Type | Daily Cutoff |
|---|---|
Card | 11:00 p.m. Eastern Time (ET) |
ACH | 9:00 p.m. ET |
Transactions captured before this time are included in the same-day settlement batch. Transactions processed after this time roll into the next business day’s batch.
When will I receive my deposit?
Deposits are created on each United States business/banking day with payment volume that has been settled (see above Daily Cutoff Times). Card transactions are deposited into your bank account on the following business day (T+1), while ACH transactions are deposited four business days following the transactions (T+4). Additionally, card and ACH transactions are not processed over weekends or banking holidays.
Card Transactions (T+1) | 11:00 p.m. Eastern Time (ET) Cutoff
Transaction Date (T) | Deposit (T+1) |
|---|---|
Monday | Tuesday |
Tuesday | Wednesday |
Wednesday | Thursday |
Thursday | Friday |
Friday | Monday |
Saturday | Monday |
Sunday | Monday |
Note:
Monday deposit includes payments processed on Friday, Saturday, and Sunday.
ACH Transactions (T+4) | 9:00 p.m. ET Cutoff
Transaction Date (T) | Deposit (T+4) |
|---|---|
Monday | Friday |
Tuesday | Monday |
Wednesday | Tuesday |
Thursday | Wednesday |
Friday | Thursday |
Saturday | Friday |
Sunday | Friday |
Note:
Friday deposit includes payments processed on Saturday, Sunday, and Monday
Weekends and Banking Holidays
Here are a few things to keep in mind:
Card Transactions: Payments processed on a weekend or banking holiday will be available for deposit timing calculations starting on the next business day. For example, a payment processed on a Saturday with a T+1 deposit timing setting, will be deposited to the merchant on Monday: T (Saturday) + 1 (Monday).
ACH Transactions: Payments processed on a weekend or banking holiday will start the “T” calculation on the next business day. For example, a payment entered on a Saturday with a T+4 deposit timing setting, will be deposited to the merchant on the following Friday: T (Monday) + 4 (Friday).
Void Window: ACH payments processed on a weekend can be cancelled, or voided, up until 9 p.m. Eastern Time (ET) on Sunday. If a banking holiday falls on a Monday after a weekend, then the payments processed over the weekend and the banking holiday can be voided up until 9 p.m. ET on the banking holiday.
How to Track Deposits
You can track all deposits using the Payments Portal. Each report includes the necessary elements for your reconciliation, such as Transaction Date, Transaction Type, Payment Method, Fees, and Net Amount. See Deposit Overview for more details.