Same-day ACH Rule (NACHA)

The NACHA rule change will enable ACH Originators that desire same-day processing the option to send same-day ACH transactions to accounts at any receiving financial institution (RDFI). The Rule includes a “Same-Day Fee” on each same-day ACH transaction so that RDFIs would recover, on average, their costs for enabling and supporting same-day ACH.

The Rule will enable the option for same-day ACH payments through new ACH Network functionality, without affecting existing ACH schedules and capabilities:

Originating financial institutions (ODFIs) would be able to submit files of same-day ACH payments through two new clearing windows provided by the ACH Operators:

  • A morning submission deadline at 10:30 AM ET, with settlement occurring at 1:00 PM.
  • An afternoon submission deadline at 3:00 PM ET, with settlement occurring at 5:00 PM.

Virtually all types of ACH payments, including both credits and debits, would be eligible for same-day processing. Only international transactions (IATs) and high-value transactions above $25,000 would not be eligible.

All RDFIs would be required to receive same-day ACH payments, thereby giving ODFIs and Originators the certainty of being able to send same-day ACH payments to accounts at all RDFIs.

RDFIs would be mandated to make funds available from same-day ACH credits (such as payroll Direct Deposits) to their depositors by 5:00 PM at the RDFI’s local time.


September 23, 2016 – Phase 1
ACH credit transactions will be eligible for same-day processing, supporting use cases such as hourly payroll, person-to-person (P2P) payments and same-day bill pay.

September 15, 2017 – Phase 2
Same-day ACH debits will be added, allowing for a wide variety of consumer bill payment use cases such as utility, mortgage, loan and credit card payments.

March 16, 2018 – Phase 3
Introduction of faster ACH credit funds availability requirements for RDFIs; funds from same-day ACH credit transactions will need to be available to consumers by 5 p.m. RDFI local time.

Recommended Actions:

Credit unions should visit with their ACH vendor to review the requirements and necessary changes.  Credit unions will also need to review and revise internal processing schedules and procedures to accommodate new windows for same-day entries;

NACHA Executive Summary

Effective Entry Date and Return Processing Scenarios

Optional Same Day ACH Indicator




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