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Nacha creates broadly adopted payment and financial messaging rules and standards through consensus-led governance, international collaboration, and innovative development practices. We continually advance the ubiquitous ACH Network and engage diverse stakeholders to accelerate a digital future of global financial services interoperability.

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92 Percent of Financial Institutions Surveyed Ready to Originate Same Day ACH Debits on Sept. 15, 2017

Zero Financial Institutions Have Experienced an Increase in Fraud Due to Same Day ACH

HERNDON, Va., June 7, 2017 – Nacha—The Electronic Payments Association®, the steward and rule maker of the ACH Network, today released results from a March-April 2017 qualitative survey of 24 financial institutions representing two-thirds of ACH origination volume on implementation readiness for Same Day ACH debits on the effective date of Sept. 15, 2017.
After the successful rollout of Same Day ACH for credits last year, and with less than 100 days remaining until the effective date for same-day debits, the nation’s top financial institutions are poised to deliver benefits and opportunities to their customers, whether they are large businesses or individual account holders.
According to Nacha survey results, 92 percent of respondents will be ready to originate same-day debit transactions on the effective date, and 63 percent have reported that their clients have a high to medium interest in originating Same Day ACH debits. 100 percent of respondents will be ready to receive Same Day ACH debits on the effective date.
“Same Day ACH debits provide the option to make payments faster, and can give consumers a better sense of their current account balances, which delivers capabilities endorsed by consumer advocate groups,” said Janet O. Estep, president and CEO of Nacha. “Receipt of Same Day ACH debit transactions will be ubiquitous – reaching every U.S. bank account holder beginning on Sept. 15, 2017.”
Nacha details these findings in a new infographic that captures the sentiments of the nation’s largest financial institutions on Same Day ACH Phase 2 implementation.
Nacha and the Regional Payments Associations provide tools and resources to help financial institutions take full advantage of Same Day ACH. For information to support implementation, visit Nacha’s Same Day ACH Resource Center at
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