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Direct deposit over the ACH network eliminated that friction and got them earlier access to those funds. Fast-forward four decades, and everyone – FIs, ACHoperators, FinTechs – have been working overtime to get payroll off the paper check and to get wages into workers’ bank accounts faster.
Last week, NACHA issued an ACHoperations bulletin announcing the delay of the rollout of a third Same Day ACH (SDA) processing window by six months, to March 19, 2021. Same Day ACH and the card rails – both of which allow for money to move fast into consumer and business bank accounts for every consumer with a debit product.
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