Open for Comment

The ​Nacha Operating Rules are the foundation for every ACH payment. By defining the roles and responsibilities of financial institutions and establishing clear guidelines for each Network participant, the Rules ensure that millions of payments occur smoothly and easily each day.

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Request for Information - Faster ACH Topics

Nacha is requesting industry information and perspectives on topics that can generally be considered “Faster ACH” but are not specifically Same Day ACH topics.  These topics are 2-day ACH credits and encouraging same-day returns.
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Request for Comment - Same Day ACH

Nacha is proposing two specific amendments to the Nacha Operating Rules. 1.)  Add a fourth daily Same Day ACH processing window aligned with the close of the business day in the Pacific Time Zone. 2.) Accelerate funds availability for certain non-Same Day ACH credits.