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Payments Pulse

Payments Pulse
The Clearing House
Payments Pulse
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Industry News & Resources

Christmas Eve ACH Processing Schedule
Not Impacted by Trump Federal Holiday Order


2020 AFP Payments Fraud and Control Survey


ACH Rules Supplement #3-2020

(Must login to view this member-only content)
Source: Nacha

Nacha RFC - Increasing the Same Day ACH Dollar Limit

Comment Deadline January 22, 2021

The Mobile Banking App Report


SEC Issues Corporate Fraud Warning as BEC Scams Climb


We Get Questions...

Q and A
Q.)   We have a business account holder who wrote a check (without an auxiliary on-us field) to a company. That company converted the check to a CCD transaction. Would that be within the rules?
A.)   Although business checks under $25,000 without an auxiliary on-us field can be converted to a POP, ARC or BOC transaction, the ACH Rules do not allow for these paper checks to be converted to RCK or CCD transactions. With this in mind, the transaction can be returned R11 (Customer Advises Entry Not in Accordance with the Terms of the Authorization). You might also find it helpful to view or print the Consumer SEC Comparison Chart found on the Documents on Demand page of our website but you’ll need to log in first as these resources are available to TCHPA members only.
Have a question for TCHPA? Call 800-875-2242 (choose option 3) or email

ACH Rules Updates
Training for Your Team

Nacha Rule Change Spotlight: Expanding Same Day ACH

(TCHPA webinar)

Feb 02, 2021 2:00 - 2:30 PM, Eastern

On March 19, 2021, the ACH Network expands access to Same Day ACH by allowing SDA transactions to be submitted for an additional two hours each business day through a new, third processing window. This will allow Same Day ACH files to be submitted until 4:45pm ET (1:45 pm PT), providing greater access for Originating Depository Financial Institutions (ODFIs) and their account holders. Join TCHPA as we discuss the new rule requirements, impacts, and considerations.

ACH Rules Update
(On-Demand Webinar)

TCHPA’s November 2020 live webinar was recorded for those who were unable to attend. Information presented includes:

  • 2020 Implemented Rules
    • Same Day ACH Dollar Limit Increase
    • Differentiating Unauthorized Return Reasons
    • ACH Contact Registry

  • Rules Implementing in 2021 and 2022
    • Supplementing Fraud Detection Standards for WEB Debits
    • Expanding Same Day ACH
    • Supplementing Data Security Requirements

  • Eight New Amendments to the Nacha Operating Rules
    • Limitation on Warranty Claims
    • Reversals and Enforcement Rules
    • Meaningful Modernization Rules

TCHPA Education

Scheduled Sessions:


2021 NCP Exam Prep Webinar Series


The Importance of Payments Expertise


Maximizing Your TCHPA Membership

Many of our live 2021 webinars have already been added to TCHPA’s Payments Education Calendar and registration is open. Save this page to your Favorites as we’ll continue to add more topics just after the holidays! And don’t forget our On-Demand Recorded Training topics, which are available 24/7!

Real-Time Payments

The RTP® Network - What's in it for you?

RTP Network Volume Calculator

Estimates approximately how many RTP transactions your depository institution will receive each month based on asset size.

Member Support

Remember, when you need support from The Clearing House Payments Authority (TCHPA), you can reach our Member Services staff directly by calling 800-875-2242 and choosing option 3, or by emailing Although our staff is working remotely due to the COVID-19 pandemic, we’re still available to provide the support you need in a timely manner!

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