Hi @jmtichell! Thanks for the question. This one can be a little bit complex. Our lead advocate posted a detailed explanation of this here.
In short, to represent the possible events for a given call to the API to Transfer, here’s an example:
For a bank-to-bank transfer between two Verified Customers, funds will move like the following:
- Customer A Bank —> Customer A Balance (3-4 Biz days) (1-2 Biz days if Next-day ACH feature enabled)
- Customer A Balance —> Customer B Balance (instant)
- Customer B Balance —> Customer B Bank (1-2 Business days)
Feel free to respond to this thread if you have any follow up questions, or need any clarifications on the post 