Same-Day ACH is Here!

What is the Same-Day ACH Rule?

On September 23, 2016, NACHA (The National Automated Clearing House Association) will implement a new rule allowing same day settlement for eligible ACH credit transactions and non-monetary transactions that are processed by the ACH Network. This new rule will allow for faster funds availability, reduced risk and new payment opportunities.


Are there limits for same-day ACH Payments?

Yes. Individual transfers will be limited to $25,000 for qualifying standard entry class codes, such as PPD (used for corporate-to-consumer payments) and CCD (used for corporate payments). This limit applies to individual transactions and not to the ACH batch total. If a same-day ACH batch includes items that are under $25,000 and items that are over $25,000, the items that are over $25,000 would be originated with an effective date equal to the next processing day.


What are the three phases of the Same-Day ACH Rule?

The Same-Day ACH Rule will be introduced in three phases. The rule will initially apply only to credit transactions, with debit transactions being added in September of 2017.

Phase 1:  September 23, 2016     Same-day ACH origination will be available for credit transactions only.

Phase 2:  September 15, 2017     Same-day ACH origination will include debit transactions.

Phase 3:  March 16, 2018            Same-day ACH credits must be available in receiver’s account by 5:00pm local time.


Are banks required to participate in same-day ACH processing?

No. The rule requires that banks are able to receive and process same-day transactions, but the ability to send same-day ACH transactions is not a requirement.


Is there a fee to process same-day ACH transactions?

Yes. To support the new Same-Day ACH Rule, the originating company will be assessed a fee per same- day ACH processed.


Where can I obtain more information about the Same-Day ACH Rule?

NACHA maintains a reference site for all ACH users at:

You may also contact Western States Bank’s eBanking Department at 866-252-7801 if you have any further questions.

same day ach

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