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Same Day ACH

Features

  • 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