According to the NACHA Operating Rules, the ACH Return process with current timeframes will remain the way it has been even though we are in the midst of the three-phase implementation of Same Day ACH. With the new Same Day ACH landscape, the additional processing windows “can” change the way Returns are processed (if the RDFI chooses to utilize this feature) to receive faster settlement on the returns without being subjected to the Same Day fee.
The ACH Return process and timeframes according to the Rules will remain the same. However, in the implementation phases of Same Day ACH, with the new Same Day ACH landscape and additional processing windows can change the way you process your Returns (if you choose to). Faster settlement on your returns without having to pay a Same Day fee. Real-life examples will be used to help identify details on doing the Return Entries – on the Same Day (Same Day Returns are NOT a requirement).
As an RDFI are you utilizing the full potential of the “return process” in the NEW Same Day Environment? You CAN do “Same Day” Returns WITHOUT having to pay the 5.2 cent fee for each Same Day Entry. Same Day Returns do NOT pay the fee but can receive settlement for the returns as soon as the same day.
Using the “Same Day Return” function is not mandatory and Returns can still be completed like they are today (processing exception items/returns on Day 2). But, if you knew that you “could” get same settlement for a return done on the same day of settlement – this is Not JUST about returning “same day” entries on the same day…this is taking any ACH item on any given day (exception or rejects report) and returning it the very same day!
As an RDFI are you utilizing the full potential of the “return process” in the NEW Same Day Environment? You CAN do “Same Day” Returns WITHOUT having to pay the 5.2 cent fee for each Same Day Entry. Same Day Returns do NOT pay the fee but can receive settlement for the returns as soon as the same day.
Using the “Same Day Return” function is not mandatory and Returns can still be completed like they are today (processing exception items/returns on Day 2). But, if you knew that you “could” get same settlement for a return done on the same day of settlement – this is Not JUST about returning “same day” entries on the same day…this is taking any ACH item on any given day (exception or rejects report) and returning it the very same day!
Donna K Olheiser
Donna K Olheiser, AAP, is the vice president of Education Services and founder of Dynamic Mastership, LLC. Donna is an enthusiastic and energetic Certified Master Trainer with over 14 years’ training experience. She has designed and facilitated over 100 training sessions each year with her expertise being the rules for companies and financial institutions when processing specifically ACH electronic payments, then scheduling the training events to facilitate/deliver the material through a variety of venues (webinars, teleseminars, in-person workshops, including regional and national conferences). Donna has over 24 years of experience in the financial services industry which includes 9 years’ experience …
Managing Toxic Employees: Strategies For Leaders To Effecti…
DOL Reverses Course on Independent Contractor Rule for 2026…
The emergence of Social Determinants of Healthcare
Leadership: Strategic Planning and Decision Making
Beginners Guide to Data Transformations in Power Query
Understanding EBITDA – Definition, Formula & Calculation
Navigating HR Like A Pro: What Every Small Business & New H…
HPLC Analytical Method Development and Validation
ChatGPT and Project Management: Leveraging AI for Project M…
Managing Projects When AI Joins the Team: Human Judgment, A…
Negotiating Skills For Professional Results - Winning Strat…
Fostering a Culture of Respect: Eliminating Gossip, Rumour…
Handbook Overhaul 2026: Compliance, OBBB Act & Beyond
Paying and Receiving Payments for Referrals: You Can Go to …
Excel Spreadsheets; Develop and Validate for 21 CFR Part 11…
Excel + AI: The Smart User's Guide to Faster, Easier Work w…
Tattoos, hijabs, piercings, and pink hair: The challenges …
The Importance of the first 5 seconds when presenting
Ten Red Flags that Signal Financial Distress in Business Cu…
The Age-Inclusive Workplace: How to Lead and Work Across Ge…
The New W4 - How to Assist Employees with Proper Completion…
Transforming Anger And Conflict Into Collaborative Problem …
Microsoft Excel PivotTables: Basics of Data Analysis for Bu…
4-Hour Virtual Seminar on Management Skills For New Managers
Fatal Errors Employers Make When Updating Employee Handbook…
Tools for New Managers: Connecting with Employees to Optimi…
Supervisor Excellence: Skills to Lead High-Performing Teams
The Manager’s Playbook for Leading After Layoffs: Quickly R…
Elevate Your Workplace Wellness: 10 Critical Wellness Facto…
Conquer Toxic People - Learn To Protect Yourself And Get Yo…
Excel - Lists and Tables - A Beginner's Guide to Managing L…
Thriving in a Hybrid Workplace: Keys to Leadership and Team…
Launch Your Career: The Ultimate Guide for Emerging Profess…
Mastering Performance Management: Strategies for Continuous…
Gossip-Free: Leadership Techniques to Quell Office Chatter
Pivot tables beginner to advanced + 20 advanced Pivot table…
AI Fundamentals for All Leaders and Managers: How to Work S…
Rewiring Your Emotional Triggers: Leading with Clarity and …
The $1M Mistake: EEOC Discrimination Claims Employers Make …
Using Claude in Excel for Productivity, Automation & Data A…
AI in B2B Marketing: What Your Compliance Team Needs to Know