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Coming in 2022: Same-Day ACH Limit Increases to $1 Million

  • By Brooke Ballenger
  • Published: 4/15/2021

The National Automated Clearing House Association (Nacha) approved to increase the Same Day ACH per-transaction limit to $1 million, effective March 18, 2022. This will be a tenfold increase from the current $100,000 maximum, which took effect in March 2020.

The $1 million limit will be beneficial for business-to-business payments, as the higher limit allows larger payments to use the Same-Day ACH system at a lower cost and with comparable remittance information to Fedwires. The new limit will also benefit other payments, from insurance claim payments and payroll funding, to tax payments and more.

Stayed tuned for more information on sessions at AFP 2021 around this topic, including the Power of ACH Payments. Register for the conference here. In addition, download the AFP Payments Guide to Electronic and Real-Time Payments in Practice.

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