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Effective Date: NACHA New Same Day ACH Processing Window with Expanded Hours

Sept. 17, 2018 – NACHA’s voting membership has approved three new rules to expand the capabilities of Same Day ACH for all financial institutions and their customers. The first expands access to Same Day ACH by allowing Same Day ACH transactions to be submitted to the ACH Network for an additional two hours every business day. The second increases the Same Day ACH per-transaction dollar limit to $100,000. The third increases the speed of funds availability for certain Same Day ACH and next-day ACH credits. Read more here

*The effective date for Phase 3 was recently deferred for 6 months from September 18, 2020, to March 19, 2021: 

  • March 19, 2021
  • Time: All Day