Funds Availability Requirements for Non-Same Day Credit Entries
This rule will eliminate the 5:00 pm local time receipt condition, so that funds availability would be required at 9:00 am (in the RDFI’s local time) on Settlement Date for all non-Same Day ACH credits.
Details
This rule will eliminate the 5:00 pm local time receipt condition, so that funds availability would be required at 9:00 am (in the RDFI’s local time) on Settlement Date for all non-Same Day ACH credits.
Technical
Effective Date – September 18, 2026.
SUBSECTION 3.3.1.1 Availability of Credits That Are Not Same Day Entries
For a credit Entry that is not a Same Day Entry the RDFI must make the amount of the credit Entry available to the Receiver for withdrawal no later than 9:00 a.m. (RDFI's local time) on the Settlement Date.
Impact
Anticipated Benefits:
The rule will accelerate the availability of funds for some volume of next-day ACH credits that are made available to RDFIs after 5:00 pm local time on the banking day prior to settlement, yet not currently made available by 9:00 am RDFI local time on Settlement Date.
Consumers and businesses might receive earlier funds availability for ACH credit use cases such as payroll, benefits, cashouts, refunds and invoice payments.
Potential Impacts:
If not already doing so, some RDFIs will have to change internal processes and procedures to post and make funds available by 9:00 am local time for next-day ACH credits received after 5:00 pm local time, inclusive through ACH credits received in the 6:00 am ET ACH Operator file.
