NACHA invites comments on proposed rules to expand Same Day ACH

Published December 05, 2017

Same Day ACH is available as an option to move payments faster for most ACH credits and debits, and at current volume is on pace for 120 million transactions annually. Strategically, Same Day ACH is a key component of NACHA’s roadmap to move the ACH Network forward for financial institutions and their customers. Feedback from financial institutions and ACH end-users already suggests that many organizations could make greater use of Same Day ACH with changes to its features.

NACHA is issuing this Request for Comment to generate industry feedback on proposals to:

  1. Add a third Same Day ACH processing window that expands access to later in the day;
  2. Provide faster funds availability to receivers of both Same Day and non-Same Day ACH credits;
  3. Raise the per-transaction dollar limit on Same Day ACH transactions to $100,000;
  4. Explore the industry’s interest in ACH processing on weekends and holidays. 

The first three topics are proposals to amend the NACHA Operating Rules, and NACHA is accepting comments on them through Friday, Jan. 26, 2018. The RFC survey maybe accessed here: is external)

The fourth topic is a Request for Information to explore industry interest; responses on that topic are requested by Friday, Feb. 23, 2018. The RFI survey maybe accessed here is external)

NACHA encourages responses from all ACH Network participants and interested parties. Organizations are encouraged to gather and provide feedback on all aspects of these proposals, including any that have impact beyond ACH operations and product management, such as wire operations, and liquidity and reserve management. For convenience, all the survey questions are provided within a Word document located under Related Materials to assist respondents in gathering information from within their organizations.

Learn more about this RFC: 

Program / Section
Same Day ACH
News Release / Article