ACH Central

The place for all things ACH – from current rules to education.



Frequently Asked Questions

ACH Fed Settlement FAQs

ACH Online/Origination FAQs

NACHA Rules FAQs

  • What is Same-Day ACH?

  • What is an Unauthorized Entry Fee? (effective October 3, 2016)

  • What are the Guidelines Regarding the Timing of Debit Entry Postings?

  • What are the Guidelines Regarding the Timing of Credit Entry Postings?

  • What is an addenda record and what information does it provide?

  • What is a Standard Entry Class Code (SEC)?

  • How does the Standard Entry Class Code (SEC) work with the return code?

Same-Day ACH FAQs

TranZact ACH Receipt FAQs

  • Do we send returns once a day, or should we sent them twice a day? If once a day, would we wait until the end of the day?

  • Are there any exceptions to the times the ACH receipt files are made available?

  • When is Friday’s 7:30 p.m. CT file available for download?

  • When are the 7:30 p.m. CT files available on days prior to or after a Fed Holiday?