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Transfer timing depends on the method used and when the transfer is initiated. Karat Transfers (between Karat members) are processed instantly. ACH transfers typically take 3 to 5 business days to complete. Business days do not include weekends or federal bank holidays. Domestic wire transfers are processed the same business day if submitted before 1:30 PM PT. Wires submitted after the cutoff time, on weekends, or on bank holidays will be processed the next business day. Transfers initiated on weekends or holidays begin processing on the next business day. Actual arrival times may vary depending on the receiving bank’s processing schedule. Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC. The Karat Visa® Business Credit Card is issued by Cross River Bank, Member FDIC, and pursuant to a license from Visa️ USA.