Same Day ACH payments can be sent to, or collected from, any bank account in the U.S.
Payments or collections submitted by 1:20pm CST with today’s effective date are received and settled the same day
Today’s date must be used as the Effective Date to send Same Day ACH
Banks are required to receive Same Day ACH payments and debits and to update accounts in the same day
Refer to current fee schedule for applicable fees
Transactions Eligible For Same Day ACH
Almost all credit and debit ACH payments. Examples include credit and debit payments: payroll, travel/expense, supplier payments, bill pay, urgent claims/refunds, and collections
Non-monetary transactions. Examples include pre-notes and notification of changes
Transactions Not Eligible For Same Day ACH
Single payment transactions over $100,000 will not be eligible for same-day processing
