Same Day ACH Resource Center

Same Day ACH has been embraced for its ease and speed – leading to sharp growth over the past five years.

Same Day ACH Volume and Value

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Same Day ACH: FAQs

March 18, 2016

This Frequently Asked Questions (FAQ) document provides answers to common questions regarding the Same Day ACH Rule.


What are the major provisions of Same Day ACH?

The Rule will enable the option for same-day ACH payments through new ACH Network functionality, without affecting existing ACH schedules and capabilities:  Originating financial institutions (ODFIs) would be able to submit files of same-day ACH payments through two new clearing windows provided by the ACH Operators :


Fast Payments Tracker - March Edition

March 1, 2016
Transactis CEO and Chairman Joe Proto describes how Same Day ACH would help the underserved and unbanked. -- Who Benefits The Most From Faster Payments? As the rollout and adoption of Same Day ACH in the U.S. begins this year, the tangible changes and benefits across the payments landscape will, in turn, become increasingly apparent. Yet, there continues to be questions about who really benefits and who really wins.

Same Day ACH Implementation & Its Operational Affect: RDFI Perspective

February 11, 2016

It is vital that Receiving Depository Financial Institution (RDFIs) and Originating Depository Financial Institution (ODFIs) examine their current operations and understand how Same Day ACH implementation is going to affect their organization from an operational standpoint. 




Fast Payments Tracker - February Edition

February 1, 2016 February 2016 issue of Faster Payments Tracker with a featured article on how the ACH Network has continuously evolved and its next change will be to move its payments and information to same-day clearing and settlement cycles. -- DOES THE FUTURE OF FASTER BANK PAYMENTS REQUIRE SEXY SOLUTIONS? In the push toward the successful implementation of same-day transactions and realtime payments, splashy technology may not be the right fit for our financial institutions.

Same Day ACH Guidance: RDFIs - 5:00 pm Local Time

January 6, 2016
This guidance provides information on Same Day ACH funds availability requirements and also addresses the applicability of Excused Delay to the handling of late delivery of same-day files.

Guidance: $25,000 Per-Transaction Limit

January 5, 2016

The limit on large-dollar transactions (those ACH Entries over $25,000) applies to individual transactions; i.e., a single Same-Day ACH transaction could not be for more than $25,000. There is no similar limit on the aggregate value of a batch of Same-Day ACH transactions. Entries submitted in a same-day processing window that are over $25,000 will not be rejected by the ACH Operator, but will be processed for next-day settlement in the next available processing window.


Guidance: RDFIs - End of Processing Day

January 5, 2016

During Phases 1 and 2 of Same-Day ACH (September 23, 2016 through March 15, 2018), an RDFI is required to make funds available from a Same-Day ACH credit in its customer’s account no later than the end of processing of transactions for that settlement date. While funds do not need to be available for cash withdrawal at that time (e.g., via an ATM), they must be available to satisfy other subsequent debit entries against the account (e.g., to pay ACH debits and checks). This Guidance provides examples for meeting this requirement.


Fast Payments Tracker - January Edition

January 1, 2016 January 2016 issue of Faster Payments Tracker with a featured article on Same Day ACH and how it will guarantee ubiquity of access and functionality across all financial institutions. -- COVER STORY As 2015 came to a close and 2016 begins anew, one thing was clear: the topic of faster payments was not the same old, same old of prior years. Why do we care about faster payments? In a world full of cards, moving more and more to digital payments, isn’t swiping or tapping or dipping or “pressing” fast enough? Well, sometimes no.

Ubiquitous Same-Day Clearing & Settlement for ACH Payments

November 11, 2015

NACHA estimates Same Day ACH payments will be generated from 10 primary use cases and 63 sub-use cases, including same-day payrolls, expedited bill payments, business-to-business (B2B) payments, and account-to-account (A2A) transfers.


Implementation and Readiness Vendor Letter

November 9, 2015

Shareable letter by NACHA President and CEO Janet O. Estep to providers of ACH and demand deposit account processing services outlining the potential impact of Same Day ACH on processors to help ensure Same Day ACH readiness.