Optional Same Day ACH Indicator

An ODFI could, at its discretion, require one or more of its Originator to use discretionary data within the Batch Header Record to further show intent for same-day settlement.  While each ODFI could determine on its own how to accomplish this, practically speaking, a standardized approach would be more efficient for ODFIs and their Originators to use, even as it remains optional from an ODFI’s perspective. This Guidance details the standardized approach to the optional indicator.