NACHA Compliance Deadline: Same Day ACH Phase 2

NACHA has finalized a change to its operating guidelines that will enable same-day processing of virtually any ACH payment under $25,000.

September 15, 2017

Changes NACHA's operating guidelines to enable same-day processing of virtually any ACH payment under $25,000. All receiving financial institutions (RDFIs) will be required to receive same-day ACH payments and RDFIs will be mandated to make funds available from same-day ACH credits (such as payroll direct deposits) to depositors by 5:00pm at the RDFI's local time.

Phase 2 - RDFIs should be prepared to also receive debit entries as same day entries.

Final Regulation – 15-EF-05

Compliance Blog – 5/29/15

Download the latest full Compliance Calendar, including proposed regulations, past deadlines and more.