NEACH is your source for information on recent and upcoming changes to the NACHA Operating Rules. Stay informed about ACH payment requirements, review current and upcoming Rules, including each Rule’s impact and details, as well as quickly access additional information from NACHA – The Electronic Payments Association, from one convenient location.

Expanding Same Day ACH

Effective Date – March 19, 2021

This new rule expands access to Same Day ACH by allowing Same Day ACH transactions to be submitted to the ACH Network for an additional two hours every business day. The new Same Day ACH processing window will go into effect on March 19, 2021.


  • Creates a third Same Day ACH processing window that expands Same Day ACH availability by 2 hours
  • Currently, the latest that an ODFI can submit files of Same Day ACH transactions to an ACH Operator is 2:45 p.m. ET (11:45 a.m. PT)
  • The new window will allow Same Day ACH files to be submitted until 4:45 p.m. ET (1:45 p.m. PT), providing greater access for all ODFIs and their customers
  • The timing of this new processing window is intended to balance the desire to expand access to Same Day ACH through extended hours with the need to minimize impacts on financial institutions’ end-of-day operations and the re-opening of the next banking day


The precise timing of ACH file processing schedules, including this new third Same Day ACH processing window, are not set in the Rules, but instead are determined by each ACH Operator.

The following changes to technical language represent modifications to the Nacha Operating Rules:

  • Article Three, Subsection General Rule for Availability of Credits: To address funds availability requirements for credit Same Day Entries received in the third same-day processing window
  • Appendix Three, Glossary of Data Elements, Company Descriptive Date: To include the optional indicator for Same Day ACH entries that the Originator desires to settle in the third window.


Effective Date - March 19, 2021

Final implementation of the new Same Day ACH processing window is contingent upon receiving timely notification from the Federal Reserve Board of Governors of changes to Federal Reserve services necessary to support it. The Federal Reserve process includes a public comment period on changes to the Federal Reserve’s National Settlement Service for interbank settlement and to Fedwire Funds.


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