March 2023 marked the 5-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 5-year date.
The original projection of cumulative Same Day ACH volume for the 5-year period April 2018 through March 2023 was 4.939 billion payments. The amount of the Same Day ACH fee was based on this projection. Actual volume from April 2018 through March 2023 was 2.221 billion. Based on this comparison of actual to projected volume, there will be no change to the Same Day ACH fee for the next 3-year period, at the end of which the 8-year review will be conducted.
The review tables that Nacha provided to the Federal Reserve Board of Governors for the approval of the Same Day ACH fee are here: