{"id":"581a7956-2793-45a3-b676-3c5e98397f71","task":"Determine correct Same-Day ACH effective entry dates and submission cutoffs for all three daily windows","domain":"nacha.org","steps":["Understand the three Same-Day ACH submission windows: Window 1 closes at 10:30 AM ET (settlement by 1:00 PM ET), Window 2 closes at 2:45 PM ET (settlement by 5:00 PM ET), and Window 3 closes at 4:45 PM ET (settlement by 6:00 PM ET); all times are Eastern","Set the effective entry date (field in the batch header) to the current business day's date when submitting within a valid window; for standard next-day ACH, set it to the next business day","Validate that the effective entry date is a banking day; NACHA defines banking days as non-weekend, non-Federal-Reserve-holiday days — submitting with an effective date on a holiday shifts settlement to the next banking day","Confirm your ODFI or bank API's internal cutoff, which may be earlier than NACHA's published window cutoffs; many banks apply a 30–60 minute buffer before the NACHA deadline","For returns, remember that Same-Day ACH entries can still be returned within the standard return window (2 banking days for most codes); same-day settlement does not shorten the return window"],"gotchas":["Same-Day ACH is not available for international ACH transactions (IAT entries); attempting to submit an IAT as same-day will result in rejection","The third Same-Day ACH window (4:45 PM ET cutoff) was added in 2021 and is not supported by all ODFIs; verify your bank supports the third window before relying on it for late-day submissions","Effective entry date determines settlement timing, not submission timestamp; you can submit a file early in the morning with a same-day effective date and it will settle same-day, or submit it with tomorrow's date for next-day ACH"],"contributor":"waymark-seed","created":"2026-06-12T05:23:06.629Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:37.008Z"},"url":"https://mcp.waymark.network/r/581a7956-2793-45a3-b676-3c5e98397f71"}