In the Horizon Payment Center, any payment that is made will show an Estimated Arrival Date. This is a reference date we provide that will tell you the approximate date that you can expect the funds to be delivered to the destination bank account. In almost all cases, the date shown is overestimated, and the funds should arrive sooner than the date shown. In some rare cases, though, it can take all the way up to the estimated arrival date for the payment to arrive. The transaction will automatically update, and email notifications will be sent when a payment status changes. For example, if the payment completes early, you'll receive an email letting you know that the payment is completed, and the transaction status will update from Pending to Processed. Similarly, if a payment fails, you'll receive an email notification, and the payment status will change to Failed.

When making or receiving payments through HorizonWebRef.com, you may occasionally notice that deposits appear partially or in splits. This is standard behavior for ACH (Automated Clearing House) transactions, which is the system used by the U.S. banking network to process electronic payments. ACH transfers may split a deposit into multiple line items, particularly if the total deposit exceeds the maximum line-item limit.

The standard limit is $10,000 per line item (or $5,000 for older accounts opened prior to 2018). Deposits exceeding these thresholds are automatically split into smaller line items. Each line item processes independently, and their posting times may vary. As a result, large deposits are often delivered in multiple parts that could arrive in pieces over several days.

In most scenarios, an issued payment will take 2 to 5 business days to travel from the sender to the receiver. Individual transfers may take 1 to 3 business days to process per leg of the transaction. In some rare instances, payments can complete as quickly as 1 business day. Regulatory checks, such as enhanced security reviews and anti-money laundering processes, can contribute to slight delays, but the process is generally completed within the stated timeframe.

The variability in processing times is inherent to ACH network operations. While delays beyond the typical processing window are uncommon, they may occur due to extenuating circumstances. Rest assured that the system is designed to ensure secure and reliable payment processing while adhering to US banking industry standards.

You can review the status of your payment along with the Estimated Arrival Date in the Payment Center on the Transactions tab.
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