Same Day ACH Resource Center
Same Day ACH $1 million increase
On March 18, 2022, the Same Day ACH limit increased to $1 million per transaction, a ten-fold increase from the previous $100,000 per transaction limit. Since its introduction in 2016, Same Day ACH has continued to grow in popularity. In 2021, there were nearly 604 million Same Day ACH transactions, a 74% increase from 2020. And the value of these transactions doubled from 2020 to 2021 to almost $950 billion.
The increase to $1 million will enable even more businesses from a wide spectrum of industries, government entities and consumers to utilize and benefit from the ACH Network while ensuring that their payments continue to be safe and secure.
This Nacha guidance document will help you prepare for the change. Download PDF
Same Day ACH History
Nacha and our partners are committed to making sure the ACH Network is meeting today’s diverse payments needs. Since its launch, Nacha and ACH Network stakeholders have provided additional options to enhance Same Day ACH, and these enhancements have been key to its growth.
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2016: Same Day ACH introduced for Credit Payments.
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2017: Same Day ACH enabled for Debit Payments.
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2018: Faster Funds Availability for Same Day ACH Credits.
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2019: Faster Funds Availability for certain Same Day ACH Credits and non-Same Day credits.
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2020: The Same Day ACH Dollar Limit per Transaction increased from $25,000 to $100,000
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2021: Same Day ACH operating hours extended by 2 hours.
End-User Briefing
Do you have questions about the $1 million limit Same Day ACH increase? Our end-user briefing has additional information to help impacted businesses comply with the $1 million Same Day ACH increase, including mandatory and optional changes for organizations, the purpose for increasing the limit to $1 million, and potential use cases for the increase.
The briefing is available here.
Same Day ACH Rule Details and FAQs
Review the technical details and impact related to the upcoming increase here as well as read some of the most frequently asked questions about Same Day ACH.