Same day ACH has been around since 2018, and as Greg mentioned in your article ACH debits are required to be same day. ACH credits can still be 2-3 days if your bank is cheap, but even before the RDFI gets involved both financial institutions are aware of whether the funds are there. Seriously, do some googling yo -- https://blog.abacus.com/where-the-hell-is-my-money-the-dirty-secrets-of-ach/
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