Question: When are ACH transactions finalized? Question 3 options: At 9 am ET when the stock market opens At 8 am ET when the business day

When are ACH transactions finalized?
Question 3 options:
At 9 am ET when the stock market opens
At 8 am ET when the business day begins
At 5 pm ET when the business day ends
At 8:30 am ET on the settlement date

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