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Nacha Invites Comments on Increasing the Same Day ACH Dollar Limit

Nacha Invites Comments on Increasing the Same Day ACH Dollar Limit

December 7, 2020

To:       Nacha Family

Request for Comment on Increasing the Same Day ACH Dollar Limit; Responses Requested by January 22, 2021
Nacha requests comment on a proposal for a series of three additional increases to the dollar limit for all Same Day ACH payments.  Since its inception in 2016, enhancements to Same Day ACH have been implemented on a set schedule.  In March 2020, the initial dollar limit on Same Day ACH payments was increased to its current level of $100,000.  The increase had an immediate impact on Same Day ACH usage, as the average amount of a Same Day ACH payment increased by 40%.  Nacha now seeks comment on additional increases to the Same Day ACH dollar limit.  Responses on this proposal are requested by Friday, January 22, 2021.

Documentation and Comment Process
All Nacha proposed rules are open for public comment via a Request for Comment.  Nacha encourages responses from ACH Network participants and other interested parties.  For more information about the proposed rules and how to submit comments, please visit

The Request for Comment consists of three documents:

  • A Rules Proposal description presentation as a PDF;
  • An ACH participant survey – this is a Word version of the online survey, which will be available soon via the Nacha web site at  To enable respondents to gather information from within their organizations, the survey questions are provided as a Word file to the Nacha family attached to this e-mail.  Please review the survey questions prior to beginning your response so that you can gather information and comments from all impacted areas of your organization before responding to the questions.
  • Proposed modifications to the Nacha Operating Rules as a PDF.  These are the proposed changes to the  language of the Nacha Operating Rules.  All proposed modifications are highlighted in yellow, with text proposed to be added shown in yellow underline, and text proposed to be deleted shown in yellow strikethrough.

Return comments to:        
Maribel Bondoc, Manager, Network Rules
Fax: (703) 787-0996


Nacha Staff Contact:        Debbie Barr, AAP, CTP, Senior Director, ACH Network Rules Process & Communication


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