Traditional ACH – follows the business-day banking cycles.
Timing by cycle
Standard withdrawals are processed via ACH, the interbank clearing system.
🔐 Key rule: If your withdrawal is on ACH, you should wait for at least one full payment cycle to finish before worrying or contacting support. In other words, once your withdrawal enters a cycle, you need to give that cycle time to complete, and in some cases, the following cycles where it might be credited.
A payment can be credited between 1 and up to 3 cycles after it enters ACH (the 5th cycle only handles returns, not new credits).
ACH cycles on a business day
Cycle 1: 8:30 a.m. – 10:30 a.m.
Cycle 2: 11:00 a.m. – 1:00 p.m.
Cycle 3: 1:30 p.m. – 3:00 p.m.
Cycle 4: 3:30 p.m. – 5:00 p.m.
Cycle 5: 5:30 p.m. – 6:30 p.m. (returns only)
Depending on which cycle your withdrawal enters, here's the range in which it could be credited:
1️⃣ If your withdrawal enters the 1st cycle (8:30–10:30 a.m.)
It can be credited in:
Cycle 2 (same day): 11:00 a.m. – 1:00 p.m.
Cycle 3 (same day): 1:30 p.m. – 3:00 p.m.
Cycle 4 (same day): 3:30 p.m. – 5:00 p.m.
👉 Crediting window: 11:00 a.m. to 5:00 p.m. the same day.
In this case, we recommend waiting until the end of Cycle 4 before considering it delayed.
2️⃣ If your withdrawal enters the 2nd cycle (11:00 a.m.–1:00 p.m.)
It can be credited in:
Cycle 3 (same day): 1:30 p.m. – 3:00 p.m.
Cycle 4 (same day): 3:30 p.m. – 5:00 p.m.
Cycle 1 of the next business day: 8:30 a.m. – 10:30 a.m.
👉 Crediting window: from 1:30 p.m. the same day to 10:30 a.m. the next business day.
Here it's a good practice to wait until Cycle 1 of the next day finishes.
3️⃣ If your withdrawal enters the 3rd cycle (1:30–3:00 p.m.)
It can be credited in:
Cycle 4 (same day): 3:30 p.m. – 5:00 p.m.
Cycle 1 of the next business day: 8:30 a.m. – 10:30 a.m.
Cycle 2 of the next business day: 11:00 a.m. – 1:00 p.m.
👉 Crediting window: from 3:30 p.m. the same day to 1:00 p.m. the next business day.
In this case, we recommend waiting until Cycle 2 of the next day finishes.
4️⃣ If your withdrawal enters the 4th cycle (3:30–5:00 p.m.)
(The 5th cycle is for returns only.)
It can be credited in:
Cycle 1 of the next business day: 8:30 a.m. – 10:30 a.m.
Cycle 2 of the next business day: 11:00 a.m. – 1:00 p.m.
Cycle 3 of the next business day: 1:30 p.m. – 3:00 p.m.
👉 Crediting window: from 8:30 a.m. to 3:00 p.m. the next business day.
Here it's key to wait until Cycle 3 of the next day finishes.
👀 When does it make sense to contact support?
Wait for at least one full payment cycle to finish where it would be reasonable for the credit to appear (per the ranges above).
If the maximum window has already passed and you still don't see the money:
Verify that the destination account is correct.
Check if your bank is reporting delays.
Then contact us from the app with:
Your email registered with Wallib
Amount and date of the withdrawal
Destination bank
With that, we can review your transaction and help you better.
If you have any questions, write to us at support@wallib.co