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Same Day ACH Enhancements Approved

This article was originally published on September 14, 2018, on

New NACHA rules will expand access to Same Day ACH, increase the per-transaction dollar limit, and speed funds availability for Same Day and Next-Day ACH.

HERNDON, Va., 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.

“Since the initial adoption of Same Day ACH, business users of ACH have been asking for enhancements,” said Jane Larimer, chief operating officer of NACHA. “NACHA and its members are now delivering those enhancements.”

Financial institutions and their customers will be better able to make use of Same Day ACH through expanded hours and a higher dollar limit. The expansion of Same Day ACH by two hours will be achieved through the creation of a new Same Day ACH processing window by the two ACH Network operators. ACH end users will have more time during the business day to initiate a variety of Same Day ACH payments, including payroll and other disbursements, bill payments, and business-to-business (B2B) transactions. With a higher dollar limit, ACH end users will have greater opportunity to make Same Day ACH payments for payroll, claim payments, B2B payments, and a variety of other use cases.

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