04-20-2026, 04:52 AM
ACH is not bad if you plan around it. I use it on my NJ app because there are no fees and my limits are higher, but I know going in that a withdrawal takes 1 to 3 business days to land.
Where it bites is weekends. Request Friday night and it will not even start processing until Monday, so a 2 day payout becomes 4 calendar days.
If predictability is what you want over raw speed, ACH on a weekday morning is genuinely fine. If you want fast and flexible, agree with the others, PayPal wins.
Where it bites is weekends. Request Friday night and it will not even start processing until Monday, so a 2 day payout becomes 4 calendar days.
If predictability is what you want over raw speed, ACH on a weekday morning is genuinely fine. If you want fast and flexible, agree with the others, PayPal wins.