Same-Day ACH Limit Rising to $10 Million in 2027

The per-payment limit for same-day Automated Clearing House transactions will increase to $10 million from $1 million on Sept. 17, 2027, according to an April 27 press release.

The current same-day transaction limit of $1 million has been in effect since March 18, 2022, when the limit rose from $100,000.

The press release was released by Nacha, a nonprofit trade association that establishes the rules governing the exchange of commercial electronic payments, including direct deposit payments, through a national network of automated clearing houses.

Nacha expects the increased limit to enhance the use cases of same-day ACH transactions, including payroll ...