NACHA requires that same-day items are posted by 5 PM local time the same day they are received.
The statement “by 5:00 PM" means ‘anytime’ before 5:00 PM. That means 6:00 PM AT, 5:00 PM ET, 4:00 PM CT, 3:00 PM MT, and 2:00 PM PT, all of which are by 5:00 PM local time, are acceptable.
NACHA Funds Availability Requirements
As of August 2026; refer to https://www.nacha.org/system/files/2021-03/SDA_Schedules_and_Funds_Availability.pdf for the latest requirements.
| Processing Window |
ODFI Deadline |
RDFI Receipt Time |
Settlement |
Credit Funds Availability Requirement |
| First Same Day ACH Window |
10:30 a.m. ET |
12 noon ET |
1:00 p.m. ET |
1:30 p.m. RDFI local time |
| Second Same Day ACH Window |
2:45 p.m. ET |
4:00 p.m. ET |
5:00 p.m. ET |
5:00 p.m. RDFI local time |
| Third Same Day ACH Window |
4:45 p.m. ET |
5:30 p.m. ET |
6:00 p.m. ET |
End of processing day |