A. It take five bank days to complete the process. On day one Zimple sends member instructions to the members bank to initiate the payment, day two to four Zimple waits to clear the item, if the payment clears it is deposited on day five in accordance with member deposit instructions. Items are processed when the Federal Reserve is open: Monday through Friday. Payments initiated on Friday after 3:30PM PT are processed on the following bank day. Items initiated on a weekend are processed on the following bank day. Items initiated on a bank holiday are processed on the following bank day.