Increasing the Same Day ACH Dollar Limit

This new rule increases the Same Day ACH per-transaction dollar limit to $100,000 and will become effective on March 20, 2020.

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Detailed Information

Increases the per-transaction dollar limit for Same Day ACH transactions to $100,000

  • Currently, Same Day ACH transactions are limited to $25,000 per transaction
  • While the current limit covers approximately 98% of ACH transactions, there are many use cases for which a higher dollar limit will better enable end users to utilize Same Day ACH.  For example, a higher transaction limit would better enable:
    • B2B payments, in which only approximately 89% of transactions are currently eligible
    • Claim payments, which are often for larger dollar amounts and are time sensitive in nature
    • Reversals for a larger pool of transactions, including all Same Day ACH transactions

The following changes to technical language represent modifications to the NACHA Operating Rules to adjust the per-transaction dollar limit to $100,000 for Same Day ACH entries:

  • Article Eight, Definitions of Terms, Section 8.99 Same Day Entry
  • Appendix Three, Glossary of Data Elements, Settlement Date
  • Appendix Ten, Rules Enforcement, Subpart 10.4.6 ACH Rules Enforcement Panel

EFFECTIVE DATE - March 20, 2020

Q. What are the components of the Increasing the Same Day ACH Dollar Limit Rule?
A. This Rule increases the per-transaction dollar limit for Same Day ACH transactions to $100,000. Currently, Same Day ACH transactions are limited to $25,000 per transaction. While the current limit covers approximately 98% of ACH transactions, there are many use cases for which a higher dollar limit would better enable end users to utilize Same Day ACH. 

Q. What additional uses could be supported by the higher dollar limit?
A. The higher transaction limit will better enable:

  • B2B payments, in which only approximately 89% of transactions are currently eligible
  • Claim payments, which are often for larger dollar amounts and are time sensitive in nature
  • Reversals for a larger pool of transactions, including all Same Day ACH transactions