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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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ACH Network Volume Rose Nearly Six Percent in First Quarter of 2018

Same Day ACH Transactions Totaled 42.6 Million

SAN DIEGO, April 30, 2018 – ACH debit and credit transactions totaled nearly 5.7 billion in the first quarter of 2018, representing a 5.9 percent increase over the same period in 2017, according to data released today by Nacha—The Electronic Payments Association®. The strong uptick demonstrates the widespread use of ACH payments as well as the increased use of Same Day ACH transactions.
Approximately 3.3 billion debit and 2.4 billion credit transactions were made in the first quarter of 2018. During this same period, Direct Deposit for payroll and other consumer credits represented the largest number of transactions at 1.7 billion, a 4.3 percent increase; 1.4 billion internet transactions were made, representing a 14.2 percent increase; business-to-business transactions totaled 848 million, up 7.6 percent; and person-to-person transactions were 28.7 million.
“The ACH Network is a vital component of the U.S. economy,” said Nacha Chief Operating Officer and General Counsel Jane Larimer. “The robust growth demonstrates that the ACH Network provides substantial value to consumers, businesses and financial institutions that need to make payments.”
Same Day ACH transactions also realized substantial growth. In the first quarter of 2018, 42.6 million Same Day ACH payments were made (20.6 million debit and 22 million credit transactions), representing a 220 percent increase from the first quarter of 2017. Same Day ACH credits have been available since September 2016 and Same Day ACH debits went live in September 2017.
“A growing number of ACH users are enjoying the benefits of Same Day ACH,” Larimer continued. “Nacha is seeking to further enhance Same Day ACH capabilities by extending access later in the day, providing faster funds availability, and raising the dollar limit for Same Day ACH transactions.”
An infographic illustrating ACH Network volume is available for download.