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Late in 2016 NACHA carried out new working guidelines for its' member banks to put in a course of for receiving banks (RDFI's) to not delay (till later that night) posting of credits (beginning Sept 2016) and debits (starting Sept 2017) for transactions that they receive from originating banks (ODFI's) previous to 2 pm EST the place such file is designated as a "Identical Day" file. Currently, debits and credit are usually transmitted within the night by 6 pm PST so this new Similar Day ACH course of drastically hurries up posting of things on the receiver's financial institution.