Same Day ACH Sample Scenarios (effective March 18, 2022)

The scenarios below present examples of how different processing situations are handled based on implementation of Same Day ACH.

Sample Scenarios

1. Example 1: A batch containing PPD entries with an effective entry date of March 18, is submitted to the ACH operator at 4:30 p.m. ET on March 30. (The batch is stale-dated.) The batch contains several credit entries and one debit entry for $12,500; one credit entry is for $1,000,000 and all other credit entries are under $100,000. Assuming there are no edit errors, the batch will be processed at the 4:45 p.m. ET deadline.

   For the eligible same day entries (the credit entries under $1,000,000 and the one debit entry for $12,500), the output files will be distributed by 5:30 p.m. ET with settlement occurring at 6:00 p.m. ET on March 30. The single credit entry for $1,100,000 will settle the next business day, March 31, at 8:30 a.m. ET, because same day entries must be $1,000,000 or less.

2. Example 2: A batch of WEB entries is submitted to the ACH operator at 11:45 p.m. ET on March 24, with an effective entry date of March 23. All entries in the batch are $100,000 or less.

   Outcome: Since the batch was submitted prior to the 2:15 a.m. ET deadline and is not future-dated, it will settle at 8:30 a.m. ET on March 25. No same day ACH entry fee will be applied.

3. Example 3: A batch containing CCD debit entries with an effective entry date of April 1, is submitted to the ACH operator on April 7, at 10:00 a.m. ET.

   The batch will be processed on April 7, with output delivered at 12 noon ET on April 7, and settlement occurring at 1:00 p.m. ET.

4. Example 4: A batch containing PPD credit and debit entries with an effective entry date of April 14, is submitted to the ACH operator on April 15, at 4:30 p.m. ET. The credit and debit entries in the batch are all under $1,000,000.

   Both the credits and the debits will settle at 6:00 p.m. ET on April 15.

5. Example 5: A batch containing forward entries is submitted on April 5, at 9:30 a.m. ET, meeting the 10:30 a.m. ET same day transmission deadline. The effective entry date of the batch is March 30, (stale-dated), and it qualifies for same day settlement. It is processed and settled same day, on April 5, at 1:00 p.m. ET. One of the entries must be returned, so the return entry is submitted to the ACH operator on April 5, at 3:00 p.m. ET, meeting the 4:45 p.m. ET return submission deadline. The effective entry date on the return is March 30, (same as the original forward entry).

   Outcome: The forward entry will settle same day (April 5) at 1:00 p.m. ET. The forward entry will incur the same day ACH entry fee. The return entry will settle at 6:00 p.m. ET on April 5. There will be no same day ACH entry fee applied to the return.

   NOTE: Return entries are not subject to the same requirements as are forward entries.

6. Example 6: A "balanced" file is submitted to the ACH Operator on April 6, prior to 4:45 p.m. ET. The file contains a single PPD debit entry for $1,025,500, and multiple PPD credit entries, when added together, equal the $1,025,500 debit entry.

   The credit entries are all eligible for same day since they are $1,000,000 or less, and they will settle on April 6 at 6:00 p.m. ET. The debit entry for $1,025,500, however, exceeds the $1,000,000 same day ACH entry limit, so it will settle the next day, on April 7, at 8:30 a.m. ET.

7. Example 7: An erroneous batch of PPD credit entries is submitted to the ACH Operator on April 5, prior to 10:30 a.m. ET. All entries are less than $1,000,000. The batch is processed and settles at 1:00 p.m. ET on April 5, (same day). The ODFI realizes this batch was sent in error and sends in a reversal file prior to the 4:45 p.m. ET deadline so the entries can be reversed same day.

   The reversal entries are eligible for same day and the output will be distributed by 5:30 p.m. ET with settlement occurring at 6:00 p.m. ET on April 5. The Same Day Entry Fee will be assessed on the original credit entries as well as on the reversal debit entries.

8. Example 8: A batch of PPD credit entries is submitted on April 7 at 2:00 a.m. ET, with an effective date of April 6. At 2:00 a.m. ET, the system processing date is April 6. All entries in the batch are $1,000,000 or less.

   Outcome: Since the same day deadlines have passed, the batch will settle on April 7 at 8:30 a.m. ET. No Same Day Entry Fee will be assessed.

9. Example 9: A batch of PPD credit entries is submitted on Thursday, April 8 at 2:00 a.m. ET, with an effective date of March 25 (stale). All entries in the batch are $100,000 or less.

   Outcome: The batch is stale-dated, but the entry was submitted before the 2:15 a.m. ET deadline (not a same-day ACH deadline), so the batch will settle at 8:30 a.m. ET on April 8. No Same Day Entry Fee will be assessed.

10. Example 10: A batch of PPD credit entries is submitted on April 8 at 4:15 p.m. ET, with an effective entry date of March 29 (stale). All entries in the batch are $1,000,000 or less.

    Outcome: Since the batch is stale-dated and was submitted within one of the Same Day ACH windows, it will settle at 6:00 p.m. ET on April 8. The Same Day Entry Fee will be assessed.

11. Example 11: A batch of PPD credit entries is submitted on April 14 at 2:00 a.m. ET, with an effective entry date of April 15. All entries in the batch are $1,000,000 or less.

    Outcome: Since the batch is future-dated (not stale), it will settle on the effective entry date of April 15 at 8:30 a.m. ET. No Same Day Entry Fee will be assessed.

12. Example 12: A batch of PPD credit entries is submitted on May 27, at 4:00 a.m. ET, with an effective entry date of May 31. Monday, May 30 is a holiday. All entries in the batch are $1,000,000 or less.

    Outcome: Since the batch is future-dated (not stale), it will settle on the effective entry date of May 31 at 8:30 a.m. ET. No Same Day Entry Fee will be assessed.

13. Example 13: A batch of PPD credit entries is submitted on May 27, at 4:00 p.m. ET, with an effective entry date of May 18. Monday, May 30 is a holiday. All entries in the batch are $1,000,000 or less.

    Outcome: Since the batch is stale-dated and was submitted prior to the 4:45 p.m. ET deadline, it will settle the same day, at 6:00 p.m. ET.

14. Example 14: A batch containing WEB and IAT credit entries with an effective entry date of March 23, is submitted to the ACH operator on March 30, at 4:00 a.m. ET. All entries in the batch are $1,000,000 or less.

    Outcome: The WEB entries are eligible for same day as the batch was submitted prior to the 10:30 a.m. ET deadline, no entries exceed $1,000,000, and the effective entry date is stale. However, the IAT entries are not eligible for same day. The WEB entries will settle at 1:00 p.m. ET on March 30, and the IAT entries will settle at 8:30 a.m. ET on March 31.

15. Example 15: A batch containing WEB debit and credit entries with an effective entry date of April 1, is submitted to the ACH operator on May 21, at 2:30 p.m. ET. All entries in the batch are $1,000,000 or less.

    The entries are eligible for same day as the batch was submitted prior to the 2:45 p.m. ET deadline, no entries exceed $1,000,000, and the effective entry date is stale. The batch will be processed as same day, with output delivered by 4 p.m. ET and settlement occurring at 5:00 p.m. ET on May 21.

16. Example 16: A CCD forward entry is submitted to the ACH operator on April 13 at 4:15 p.m. ET with an effective entry date of April 15 (i.e., future-dated). All entries in the batch are $1,000,000 or less.

    Outcome: Even though the CCD entry was submitted to meet the 4:45 p.m. ET same day deadline, the entry was future-dated and will settle on April 15 at 8:30 a.m. ET. No same day ACH entry fee is applied.

17. Example 17: A forward entry is processed as a next-day entry and settles on April 5 at 8:30 a.m. ET. The entry must be returned.

    Settlement of the return entry must occur no later than the opening of business on the second business day following settlement.

    1. Option one: return the entry same day (April 5) to settle at 6:00 p.m. ET. Submit the entry to the ACH operator by 4:45 p.m. ET.
    2. Option two: return the entry next day (April 6) to settle at 8:30 a.m. ET on April 7. Submit the entry to the ACH operator by 2:15 a.m. ET on April 7.

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