/Redeem_sila endpoint (all times are Pacific Standard US)
ACH Credit requests received by 5:45pm on:
Monday: funds show up at the other bank on Tuesday.
Tuesday: funds show up at the other bank on Wednesday.
Wednesday: funds show up at the other bank on Thursday.
Thursday: funds show up at the other bank on Friday.
Friday: funds show up at the other bank on Tuesday.
Saturday: funds show up at the other bank on Tuesday.
Sunday: funds show up at the other bank on Tuesday.

/Issue_sila endpoint (all times are Pacific Standard US)
ACH Debit requests received by 4pm on:
Monday: funds leave the other bank on Tuesday morning, and the funds are settled by 4pm on Thursday--Sila tokens are issued at that time.

Tuesday: funds leave the other bank on Wednesday morning, and the funds are settled by 4pm on Friday--Sila tokens are issued at that time.

Wednesday: funds leave the other bank on Thursday morning, and the funds are settled by 4pm on Monday--Sila tokens are issued at that time.

Thursday: funds leave the other bank on Friday morning, and the funds are settled by 4pm on Tuesday--Sila tokens are issued at that time.

Friday: funds leave the other bank on Monday morning, and the funds are settled by 4pm on Wednesday--Sila tokens are issued at that time.

Saturday: funds leave the other bank on Tuesday morning, and the funds are settled by 4pm on Thursday--Sila tokens are issued at that time.

Sunday: funds leave the other bank on Tuesday morning, and the funds are settled by 4pm on Thursday--Sila tokens are issued at that time.