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Posted September 6, 2017

Beginning September 15, 2017, the National Automated Clearing House Association (NACHA) is implementing a Same-Day ACH debit program.

This new program will enable same-day processing of virtually any ACH payment. Only international transactions (IATs) and high-value transactions above $25,000 are not eligible.

What’s ACH?

ACH (Automated Clearing House) is a network that processes electronic payments and transfers. Examples include direct deposit, payroll, Federal Government benefits, automatic payments of bills, etc.

For example, if you provided your utility company with your routing and account number and authorized them to automatically debit your account for your monthly payment, it’s done via ACH.

This does not include payments where you use your debit card. For example, if you pay a bill by entering your debit card number, that is NOT an ACH payment.

What’s Changing?

In the past, we would only process ACH payments one time a day. On September 15, A+FCU will begin receiving and processing ACH payments multiple times a day.

What Does this Mean for You?

In order to prevent overdraft and NSF fees from posting to your account, make sure funds are in your account when you initiate a payment or when the recurring payment is due.

What Can You Do?

Stay on top of your accounts using A+ Online Banking and the A+ Mobile app.

You can also easily set up eAlerts such as Low Balance, Daily Balance, Automatic Withdrawal, etc. through A+ Online Banking.

If you have any additional questions or concerns please feel free to contact us at 512.302.6800.