Is it possible for a ach deposit to hit your account at night or does it only happen early in the morning?

Question

i have a google checkout account and wondering when it will hit my account (hoping for sometime before monday) - google sent payment or initiated it on friday.

Answer 1

ACH transactions can memo post at the opening of business on business days if the ACH was submitted before the memo cutoff to the Fed on at least the business day before.  If the transaction is sent after the cutoff your transaction will hard post to your account at midnight causing the funds to be available a day later.

So, this means that since google initiated your payment on Friday, you should have access to your deposit on Monday morning, but if it was after the Fed cutoff you'll have access to the deposit on Tuesday morning.