IT Examiner School, Palm Springs, 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. 

The RDFI posts the  transaction to the receiving  customer’s account .

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.

Transactions are settled  per NACHA Rules.