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Same Day ACH has been in talks in the US for years. It may actually come this year. https://www.nacha.org/rules/same-day-ach-moving-payments-faster https://ww

• kevin_thibedeau 11y ago
  > The Rule includes a “Same Day Fee” on each Same Day ACH transaction so that RDFIs would recover, on average, their costs for enabling and supporting Same Day ACH. Never doubt the American banking system's capacity to gouge the customer.