Nacha Seeks Comment on Same Day ACH and Availability Changes

Nacha is seeking comment on a proposal to better serve Same Day ACH customers in the West, plus a proposed rule change that would provide faster funds availability for some non-Same Day ACH credits. 

The Same Day ACH enhancement would create a fourth daily window with an estimated additional 3 1/4 hours to align with the end of the business day in the Pacific time zone. 

The other proposal would accelerate funds availability for certain next-day ACH credits, eliminating the current 5 p.m. local time receipt condition so that funds availability would be required on settlement day at 9 a.m. in the RDFI’s local time for all non-Same Day ACH credits. 

Nacha is also asking the payments community to provide information and perspectives on whether the Nacha Rules should be amended to eliminate the availability of two-day ACH credits and what steps can the industry take to better utilize the same-day processing of ACH returns.

Click Read more below for complete details and to submit comments. Both the requests for comment and the requests for information are due Friday, December 13, 2024.