Additional ACH File Delivery effective September 12, 2022

July 20, 2022

Effective September 12, 2022, FedACH® Services will provide an additional ACH file delivery to all customers at 11:30 p.m. ET every Monday through Friday. The new distribution will include any ACH transactions received and processed after the prior transmission deadline and by the new transmission deadline of 10:45 p.m. ET. The later delivery is intended to accelerate the delivery of ACH transactions to receiving depository financial institutions (RDFIs) who may wish to take advantage of the additional distribution.

RDFIs who choose to process these files when received will be able to better reflect customer account balances; however, RDFIs will not be obligated to immediately process the files received at the 11:30 p.m. ET distribution, and settlement for these items will not occur until 8:30 a.m. ET on a future business day as indicated on the FedACH Processing Schedule.

With no settlement accompanying the new file distribution, there will be no additional advices delivered. In addition, no other ACH processing schedule adjustments accompany this change. The File ID Modifier for the new distribution will be the next available alphanumeric character, consistent with how File ID Modifiers are currently assigned.

The additional ACH file delivery is not expected to significantly impact FedACH customers; however, for those FedACH customers wishing to test the new processing window, testing will be available from Tuesday, August 2 through Friday, August 26, 2022. The test request form will be available on the FedACH Services Testing Opportunities page of

If you have any questions surrounding the new ACH file delivery implementation or testing, please contact FedACH and Check Services Customer Support.

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