This is not true or factual. NACHA, states that funds must be available to the RDFI ~2 hours after the ODFI sends the transfer. Furthermore, the NACHA states that all transfers, except unauthorized ones, MUST be settled by the ODFI with the ACH in 1 hour after the RDFI received the funds. As an example: Saturday-EFT is placed Monday-ODFI is required to batch and process the EFT by 10:30AM ET Monday-ACH is required to batch and process the EFT by 12PM ET Monday-ODFI is required to settle the transfer by 1PM ET Monday-RDFI is required to make funds available by 1:30PM RDFI Local Time (PT) Any company with integrity would then: Monday-ODFI batches and processes by 2:15AM ET Tuesday-ACH batches and processes by 6AM ET Tuesday-ODF is required to settle by 8:30AM ET Tuesday-RDFI is required to make funds available anytime on settlement date. The problem here is that a company acting as a middleman is not governed by rules or regulations on the amount of time they spend between ACH transactions. I would highly encourage you or anyone else reading this post to familiarize yourself with NACHA rules on "ACH Schedules and Funds Availability".
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