Beginning September 18, 2026, changes to the Nacha Rules will accelerate funds availability for some non-Same Day ACH credit Entries and will provide clarity on the definition of IATs.

New Funds Availaibity Requirements

The change eliminates the condition that a credit be received by 5:00 p.m. on the prior day in order for the 9:00 a.m. funds availability requirement to apply. As a result, the 9:00 a.m. requirement will apply to all non-Same Day ACH credits regardless of when the RDFI receives the entry from its ACH Operator. 

Clarity of IAT Definition

The new Rule replaces the existing definition of an IAT to help ACH Network participants more easily determine when an ACH payment should be classified as an IAT. The new definition describes an IAT as the U.S. ACH Network component of an international payment transaction. An international payment transaction is a transfer of funds or monetary value that originates with, transits through or is delivered to an account at an office of a financial agency outside the United States or is otherwise received from a sender or delivered to a receiver through a facility of a financial agency outside the United States. 

Click Read More below for additional details on these changes. If you have any questions, please call our Payments Answerline™ at 800-475-0585, Option 1.