IT Examiner School, Seaside, CA

ACH Steps

Step 3: The ACH transactions are processed, sorted, and made available by the ACH Operator to the Receiving Depository Financial Institution (RDFI).

• The Receiver’s account is debited or credited by the RDFI, according to the type of ACH entry.

ACH Steps

Step 4: The ACH Operator settles the transaction between the RDFI and ODFI.

• Each ACH credit transaction settles in one to two business days, and each debit transaction settles in just one business day, as per the NACHA Rules .