Security deposit refund via ACH “processed” Aug 10, still nothing in X Money/Cross River by Aug 13. How long does it typically take?

My apartment processed my security deposit refund on Monday, August 10 . The payment details say: Type: Bill Pay (ACH) Payment date: 08/10/2026 Bank: KeyBank N.A. Payee: Me I'm receiving it into X Money (Cross River Bank) . It's now 11:45 PM Thursday, August 13 , and I still don't see anything in my account, not even a pending deposit. For people who've received apartment/security-deposit refunds via ACH: How many business days does it typically take from the date the landlord marked it “processed” to actually showing up in your bank account? Specifically wondering whether Friday (Aug 14) would be a normal/likely arrival date, or if I should already be contacting the property manager. Thanks lol submitted by /u/Mundane-Cobbler-8908 to r/personalfinance [link] [comments]

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