ACH Debit Strategies in the Same Day ACH Environment - from the RDFI Perspective


  • Describe how Debit Same Day ACH Entries are processed in the new environment starting Sept 2017
  • Outline the benefits for the Originator to utilize Same Day ACH for their debit processing
  • Define the Return process that is available Same Day without paying the 5.2 cent Same Day fee
  • Identify the different types of debit transactions that can benefit from Same Day processing
  • Describe how the Receiver could be affected by the Same Day debit transactions
  • Illustrate how the RDFI can help the Receiver understand how their accounts can be affected by Same Day debits


  • ACH Operations staff
  • Compliance Officers
  • Third-Party Payment Processors
  • Third-Party Senders
  • ACH Managers
  • Electronic Payments Professionals
  • AAP’s – keeping up with changes in ACH Rules and wanting to earn AAP Continuing Education Credits
  • Anyone who wishes to enhance their knowledge of the new rules

Topic Background

Same Day debits are here NOW! Focus being on the debits, and the impact this will have on ACH Processing -- for example, when a consumer authorizes a payment, (doesn’t matter how, the internet, an ACH Card, writing a check, over the telephone providing checking account information. The card-holder is accustomed to “next-day” debits, it’s always been that way, authorize today – debit tomorrow (even if I selected today as the authorization or payment date) – but NOW, it can be the Same Day! Same Day ACH Phase 2 (September 2017) depending on the time of day when the authorization takes place and when the company processes the payments, this debit could hit my account today (Same Day)? How do we educate the Receiver, our account holders? – To know their account transactions could be changing!

Donna K Olheiser, AAP, is the vice president of Education Services and founder of Dynamic Mastership, LLC.; and holds the Accredited ACH Professional (AAP) designation (achieved in 2004). She is an enthusiastic and energetic Certified Master Trainer with over 14 years’ training experience. She has designed and facilitated over 100 training sessions each year with her expertise being the rules for companies and financial institutions when processing electronic (specifically ACH) payments, then scheduling the events to facilitate and deliver the material through a variety of venues (webinars, teleseminars, in-person workshops, including regional and national conferences).

Her extensive knowledge, enthusiasm and passion for transferring payment processing knowledge using the adult learning theory is remarkable and has helped many payment professionals perform daily operational tasks including exception processing while remaining compliant with the NACHA Operating Rules. She uses scenarios and examples to bring the learning home, easy to comprehend and apply to real-life day-to-day ACH processing. Ms. Olheiser’s ability to engage the learner through the entire training event helps the adult learner apply what they’ve learned during and after each training session.

Donna has over 24 years of experience in the financial services industry which includes 9 years’ experience as the education service director at a Regional Payments Association (RPA), where she managed and facilitated the entire education program for nearly 800 financial institution members. Prior to that, Ms. Olheiser spent 14 years in various departments with the Federal Reserve Bank of Minneapolis, including the internal educator for FedACH Central Operations.

This 90-minute session will focus on how when debits are added, and the impact this may have on ACH Processing – for the RDFI and the Receiver. Authorization language – the impact it has on Same Day Debits.  On the Receiver side, If I authorize a payment today, or use the ACH card today, legacy ACH would debit my account tomorrow (at the earliest), as debits are next day. Things are different now – with Same Day Debits (now in effect), this debit could hit my account today (Same Day)? From the RDFI perspective, what if Receiver’s account is negative when that late afternoon file is received with Same Day Debits? Would this change the return process, how will this be communicated to the Receiver (the RDFI’s account holder)?

  • $135.00