banking.foundation / Payments / ACH Network (Nacha)
Payment network · ACH / clearing · United States
ACH Network (Nacha)
The US automated clearing house network for batch-processed credits and debits such as payroll, bills and direct deposits, governed by Nacha rules since 1974. Same Day ACH windows were added in 2016 alongside standard next-day settlement.
- Type
- ACH / clearing
- Operator
- Nacha (rules); Federal Reserve and The Clearing House (network operators)
- Region
- United States
- Currency
- USD
- Launched
- 1974
- Settlement model
- batch, deferred net
- Website
- www.nacha.org
Approximate reference data from public sources · seed-0.1 · 2026-08-28 · not real-time, not advice. See data & methodology.
# this page as data
GET https://banking.foundation/api/v1/payment-networks/ach-nacha