Same Day ACH

Same Day ACH is the faster payment method of the ACH Network, designed to enable payments to be sent and received at optimal speed within the same business day.
ACH Network

Same Day ACH payments can be used for a wide range of transactions, from paying bills to receiving payments of up to $1 million and can be processed in just a few hours. Unique to Same Day ACH among faster payment methods is the ability to reach virtually every bank and credit union account in the United States, making it a highly versatile and accessible payment method.

Nacha is proposing further expansion, aligning with the close of business in the Pacific time zone. This new window, proposed to take effect Sept. 19, 2026, would provide an additional 3¼ hours each processing day for initiating Same Day ACH payments (entries processed in this window on Friday nights would not settle until Sunday nights). Learn More