There have been some changes to the ACH rules which effect when ACH debits and credits post you your account. As a Receiving Financial Institution, we are obligated to comply with all the ACH rules.
SAME DAY ACH SPECIFICS
All Receivers–both Receiving Financial Institutions (RDFIs) and businesses–are required to receive same-day payments, which are available for virtually any ACH transaction. Only international ACH Transactions (IATs) and single transactions over $25,000 are excluded. Additionally, Receivers are obligated to post same-day entries and make funds available, as required.