March 2026 marked the 8-year anniversary of the effective date of Phase 3 of the original Same Day ACH rules. Those rules provide for a review of the amount of the Same Day ACH fee as of this 8-year date.  As with the 5-year review published on April 28, 2023, the review is conducted by comparing the cumulative volume of Same Day ACH payments during this 8-year period to the originally projected Same Day ACH volume for this period.

The original projection of cumulative Same Day ACH volume for the 8-year period April 2018 through March 2026 was 8.933 billion payments. The amount of the Same Day ACH fee was based on this projection.  Actual volume from April 2018 through March 2026 was 6.109 billion. Based on this comparison of actual to projected volume, there will be no change to the Same Day ACH fee for the next 2-year period, at the end of which the 10-year review is scheduled to be conducted according to the Nacha Rules.

The review tables that Nacha provided to the Federal Reserve Board of Governors for the approval of the Same Day ACH fee are here:
https://www.federalreserve.gov/paymentsystems/files/NACHA_Same_Day_Entry_Fee.pdf.