A standard ACH transfer takes 3 business days to process, depending on your bank. Weekends and Holidays are not considered business days. Direct Deposits and external transfers with your current bank generally arrive the next business day.
If you initiate a transfer before 3:00pm on a weekday, it will start processing the next business day. If you initiate it after 3:00pm on a weekday it will not start processing for 2 days.