A Nacha Request for Information in 2024 asked, “As an RDFI, do you currently return any entries using the same-day windows?” Only 59% of respondents said they use Same Day ACH processing windows to send any returns. Of those that do, 45% use same-day processing for less than half of their returns. The responses suggest that many RDFIs are foregoing the benefits of sending returns in a same-day window. Nacha recommends faster returns as a best practice that benefits RDFIs, including the use of same-day processing windows for the return of forward entries that were not Same Day ACH Entries.

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