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Phase 2 of NACHA’s (National Automated Clearing House Assoc). Same Day ACH Payments Rule will go into effect on September 15, 2017.  This means that your checks, which are processed electronically by the merchant, (i.e. Walmart, Giant Eagle, etc.) may clear the same day you write and present them at the time of purchase.  Virtually all types of ACH Payments, including both credits and debits, are eligible for same -day processing.

. A morning submission deadline at 10:30 AM ET, with settlement occurring at 1:00PM

. An afternoon submission deadline at 2:45 PM ET, with settlement occurring at 5:00 PM