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Help! I sent money by ACH or Wire transfer but the recipient hasn't gotten it yet
Help! I sent money by ACH or Wire transfer but the recipient hasn't gotten it yet

Recipient hasn’t received your sent ACH or domestic wire transfer yet? Check out these troubleshooting tips for help.

Brandon avatar
Written by Brandon
Updated over a week ago

There are a few reasons why your transfer may not have reached the recipient within the expected timeline. See the list below for timeline clarification and troubleshooting options:

Type of Payment

Expected Timeline

Troubleshooting

Standard ACH transfer

1-3 business days

Reach out to the recipient of the funds and confirm you sent the payment to their correct account and routing numbers. Some banks have different routing numbers for ACH transfers than for wire transfers.

If you sent to the correct account, reach out to our Customer Care team when logged into your account in the app or online.

If the transfer was returned to us, we can let you know why and help you resend it.

If the transfer was not returned, we can provide the 16-digit trace number for the payment. Share that trace number with the recipient so they can work with their bank to locate the funds.

Domestic wire transfer

Same-day funds if initiated by 3:30 PM EST Monday - Friday

Reach out to the recipient of the funds and confirm you sent the payment to their correct account and routing numbers. Some banks have different routing numbers for wire transfers than for ACH transfers.

If you sent the transfer to the correct Account, reach out to our Customer Care team when logged into your Account in the app or online.

If the transfer was returned to us, we can let you know why and help you resend it.

If the transfer was not returned to us, we can provide the 16-digit trace number or IMAD for the payment. Share that number with the recipient so they can work with their bank to locate the funds.

North One is a financial technology company, and not a bank. Banking services are provided by The Bancorp Bank; N.A., Member FDIC.

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