They talk about this a little in part 3: > An addendum to the ACH protocol to support same-day ACH settlement is something that is almost unanimously desired b

They talk about this a little in part 3: > An addendum to the ACH protocol to support same-day ACH settlement is something that is almost unanimously desired by the ACH community. The good news is that NACHA, the governing organization behind ACH, has recently announced plans to roll out a same-day ACH protocol. The challenge is coordinating the adoption of the new protocol across all participating banks. Once fully implemented, the same-day ACH system would likely cut one day from the timelines outlined here. http://engineering.gusto.com/how-ach-works-a-developer-perspective-part-3/ http://engineering.gusto.com/how-ach-works-a-developer-persp...