Same day ACH had phase 1 in 2016 (amazingly recent). It's now "completely rolled out" and in practice still not very "same day" in most cases. The same day AC

Same day ACH had phase 1 in 2016 (amazingly recent). It's now "completely rolled out" and in practice still not very "same day" in most cases. The same day ACH expansion adds 2 hrs and a third daily transaction and isn't scheduled until March of 2021. Sure, technically, banks can have more than one initiative going on at the same time, but I'm pessimistic about seeing RTP or seeing ACH go away. https://www.nacha.org/rules/same-day-ach-moving-payments-faster-phase-1 https://www.nacha.org/rules/same-day-ach-moving-payments-fas... https://www.nacha.org/rules/expanding-same-day-ach https://www.nacha.org/rules/expanding-same-day-ach