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Same Day ACH: Moving Payments Faster

On September 15, 2017, NACHA—the National Automated Clearing House Association—updated the capabilities to process Same Day ACH, enabling same-day processing of credits and debits. Electronic payments under $25,000 are now eligible to be processed and settled the same day they are originated. However, international transactions and transactions above $25,000 are not eligible for this update.

Same Day ACH has many positive benefits, including:

  • Expedited bill payments allow you to make expedited payments and provide faster crediting for past due payments.
  • Account-to-account transfers, providing faster crediting for members who move money among various accounts they own.

What does this mean for you?
This means that the time it takes for payments to clear your account could be significantly reduced, or eliminated altogether. Since businesses may pull money from your account same-day, it’s important that the funds are available in your account at the time of submitting electronic payments to avoid NSF fees or rejected transactions.

Please do not hesitate to contact our Member Care Team, Monday – Friday, 8 a.m. to 5 p.m. EST at 1-800-226-6428 or

Questions? Ask McClever.

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