Same-Day ACH NACHA Rule

Effective September 23, 2016

Beginning September 23, many banks, credit unions, and merchants will begin processing ACH items using a new service called Same Day ACH. The rule will enable the option for same-day ACH payments through a new ACH Network functionality. You may begin to see ACH/Electronic transactions posting to your account sooner than you are used to. It will even mean seeing ACH transactions posting throughout the day. International transactions and transactions above $25,000 will not be eligible for same-day ACH.

The Same-Day ACH Rule will be rolled out in three phases starting with phase one on September 23, 2016.

  • September 23, 2016: Only Credit entries will be affected.
  • September 15, 2017: Credit and Debit entries will be affected.
  • March 16, 2018: Credit and Debit entries available at 5:00PM RDFI local time.

For more information on Same-Day ACH, click here.