NACHA Rule Changes

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Providing Faster Funds Availability

Effective: 2019-09-20

This Rule increases the speed of funds availability for certain Same Day ACH and next-day ACH credits.

Details

Establishes additional funds availability standards for ACH credits

Funds from Same Day ACH credits processed in the existing, first processing window will be made available by 1:30 p.m. in the RDFI’s local time

Funds from non-Same Day ACH credits will be available by 9:00 a.m. RDFI’s local time on the Settlement Date, if the credits were available to the RDFI by 5:00 p.m. local time on the previous day (i.e., apply the existing “PPD rule” to all ACH credits)

Technical

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

Article Three, Subsection 3.3.1 General Rule for Availability of Credit Entries to Receivers

Article Three, Subsection 3.3.1.1 Availability of Credits that are Not Same Day Entries

Article Three, Subsection 3.3.1.2 Availability of Credits that are Same Day Entries

Effective Date: 2019-09-20 12:00 am