Free ACH date calculator

When an ACH entry settles, and when the return clock runs out.

Same Day ACH windows versus next-day settlement for a submission time and effective date, then the return deadline for any reason code, NOC timing and the reversal window — counted on the Federal Reserve calendar in Eastern Time.

FedACH windows in ET
Every R and C code
Fed holidays built in
REST + MCP

Informational only

Informational only: not a substitute for the Nacha Operating Rules, your ACH Operator’s schedule or your ODFI agreement. ODFIs set earlier cutoffs than the ACH Operator’s deadlines shown here.

Settlement dateFedACH windows · Eastern Time

Submitted on

The date your file reaches the ACH Operator

At (Eastern Time)

Hour and minute the file arrives

Effective Entry DateOptional

Empty = the submission date

Amount (USD)Optional

Same Day ACH: up to $1,000,000.00 per payment ($10,000,000.00 from September 17, 2027)

SEC codeOptional

IAT entries can’t use Same Day ACH

Same Day ACHWindow 1

Settles

Friday, October 30, 2026

at 1:00 p.m. ET

Submitted Friday, October 30, 2026 at 10:15 a.m. ET with an effective date of the same day: before the first Same Day ACH deadline (10:30 a.m. ET), so it settles the same day at 1:00 p.m. ET.

Same Day ACH windows for this submission
Same Day window	Deadline	Settles	This entry
Window 1	10:30 a.m. ET	1:00 p.m. ET	Settles here
Window 2	2:45 p.m. ET	5:00 p.m. ET	Later window
Window 3	4:45 p.m. ET	6:00 p.m. ET	Later window

Assumptions and caveats

Deadlines are FedACH’s; your ODFI’s cutoff for each window is earlier, and EPN’s schedule differs slightly.
A file deposited exactly at a deadline is treated as having missed it.
The 2:15 a.m. ET next-day deposit deadline and 8:30 a.m. ET settlement are FedACH’s next-day window.
Banking days follow the Federal Reserve holiday calendar; unscheduled closures are not included.

Use it from codeSame answer over REST or MCP · no key

API docs

REST · GET

curl -s 'https://payopskit.com/api/v1/ach/settlement?submitted_at=2026-10-30T10%3A15&amount=2500.00&sec_code=PPD'

Return, NOC and reversal deadlinesCounted on the Federal Reserve calendar

Settlement date

Of the original entry (of the return for R61–R70; of the dishonored return for R71–R77)

Return or NOC codeOptional

R01Insufficient Funds

Must be available to the ODFI by opening of business on Tuesday, November 3, 2026

Available to the ODFI by opening of business on the 2nd banking day after the settlement date of the original entry.

Clock runs from: Settlement date of the original entry · Nacha Operating Rules, Appendix Four (Return Entries)

From a settlement on Friday, October 30, 2026

ACH deadlines from Friday, October 30, 2026
Window	Last day
Standard return (2 banking days)Most returns must be made available to the ODFI no later than opening of business on the second banking day after the settlement date of the original entry. In practice the RDFI sends them by its ACH Operator’s deadline on the banking day before.	Tuesday, November 3, 2026
Extended return (60 calendar days)Unauthorized consumer debits (R05, R07, R10, R11, R37, R51, R53) and R33, R38 and R52 may be returned within 60 calendar days of the settlement date of the original entry.	Wednesday, December 30, 2026
Notification of Change (2 banking days)The RDFI transmits a NOC within two banking days of the settlement date of the entry it corrects. The Originator must make the change within six banking days of receiving the NOC information, or before its next entry to the account, whichever is later.	Tuesday, November 3, 2026
Reversal window (5 banking days)A reversing entry or file must be made available to the RDFI within five banking days after the settlement date of the erroneous entry, and sent within 24 hours of discovering the error. The Receiver must be notified no later than the settlement date of the reversal.	Friday, November 6, 2026

Use it from codeSame answer over REST or MCP · no key

API docs

REST · GET

curl -s 'https://payopskit.com/api/v1/ach/return-deadline?settlement_date=2026-10-30&code=R01'

Same Day ACH windows

FedACH accepts Same Day files in three windows. An entry dated today (or earlier) that reaches the ACH Operator before a deadline settles that afternoon; anything later settles the next banking day.

FedACH deposit deadlines and settlement times, Eastern Time
Window	Deposit deadline (ET)	Settlement (ET)
Same Day window 1	10:30 a.m. ET	1:00 p.m. ET same day
Same Day window 2	2:45 p.m. ET	5:00 p.m. ET same day
Same Day window 3	4:45 p.m. ET	6:00 p.m. ET same day
Next-day	2:15 a.m. ET	8:30 a.m. ET on the settlement day

Same Day ACH is limited to $1,000,000.00 per payment (rising to $10,000,000.00 for entries submitted on or after Friday, September 17, 2027); a larger entry settles the next banking day.
International ACH Transactions (IAT) are not eligible for Same Day ACH.
A deadline means before it: a file that arrives exactly at 10:30 a.m. ET has missed the first window. These are the ACH Operator’s deadlines — your ODFI’s cutoffs are earlier, and EPN’s schedule differs slightly.
Future-dated entries settle at 8:30 a.m. ET on their effective date, or the next banking day if it isn’t one.
Earlier submission dates get the rules then in force: Same Day ACH began Friday, September 23, 2016 (credits only until Friday, September 15, 2017) with the first two windows; the third window opened Friday, March 19, 2021; the limit was $25,000.00 until Friday, March 20, 2020 and $100,000.00 until Friday, March 18, 2022.

Return timeframes at a glance

Every assigned return reason code, grouped by the time the Rules give to send it. Most returns have two banking days; unauthorized consumer debits get sixty calendar days.

ACH return reason codes by return timeframe
Timeframe	Codes
Available to the ODFI by opening of business on the 2nd banking day after the settlement date of the original entry	`R01R02R03R04R08R09R12R14R15R16R17R20R21R22R23R24R29R34R35R36R39R50R80R81R82R83R84R85`
Extended return: available to the ODFI by opening of business on the banking day after the 60th calendar day following the settlement date of the original entry	`R05R07R10R11R33R37R38R51R52R53`
No fixed timeframe: the ODFI asks the RDFI to return the entry (and indemnifies it); the RDFI may agree but does not have to	`R06`
Returned by the ACH Operator at its next file delivery after processing	`R13R18R28R30R32`
ACH Operator: next file delivery after processing; an RDFI using it has the general 2 banking days after the settlement date of the original entry	`R19R25R26R27`
No fixed timeframe: the RDFI may return a CCD or CTX entry after the normal deadline only if the ODFI agrees	`R31`
Sent by a Federal Government agency rejecting an enrollment (ENR); timing follows the agency’s processing	`R40R41R42R43R44R45R46R47`
The ODFI transmits the dishonored return within 5 banking days after the settlement date of the return	`R61R62R67R68R69R70`
The RDFI transmits the contested dishonored return within 2 banking days after the settlement date of the dishonored return	`R71R72R73R74R75R76R77`

A Written Statement of Unauthorized Debit from the Receiver is required for R05, R07, R10, R11, R37, R51, R53. Look up any code on the payment code lookup for its notes and caveats.

NOCs and reversals

Notification of Change (2 banking days): The RDFI transmits a NOC within two banking days of the settlement date of the entry it corrects. The Originator must make the change within six banking days of receiving the NOC information, or before its next entry to the account, whichever is later.Nacha Operating Rules, Notifications of Change (Appendix Five)
Reversal window (5 banking days): A reversing entry or file must be made available to the RDFI within five banking days after the settlement date of the erroneous entry, and sent within 24 hours of discovering the error. The Receiver must be notified no later than the settlement date of the reversal.Nacha Operating Rules, Article Two, Sections 2.8 (Reversing Files) and 2.9 (Reversing Entries)
Extended return (60 calendar days): Unauthorized consumer debits (R05, R07, R10, R11, R37, R51, R53) and R33, R38 and R52 may be returned within 60 calendar days of the settlement date of the original entry.Nacha Operating Rules, Appendix Four (Return Entries)R05, R07, R10, R11, R37, R51 and R53 need the Receiver’s Written Statement of Unauthorized Debit; check the Rules for details.

What this calculator can’t know

Your ODFI’s own cutoffs and processing days, which its agreement with you sets.
Unscheduled Federal Reserve closures; banking days follow the Federal Reserve holiday calendar.
Rule changes after this page was built. The Nacha Operating Rules are the authority; check them before acting.
Whether a particular return is justified — only the timing the Rules give for its code.

Use it from code or an agent

No key and no account. The page, the REST endpoint and the MCP tool run the same code, so they always agree.

When an entry settles: Same Day window or next day, with eligibility.GET /api/v1/ach/settlement?submitted_at=2026-10-29T10:15&amount=2500.00&sec_code=PPDMCP tool ach_settlement_date
The deadline for a return or NOC code, plus the return, NOC and reversal windows.GET /api/v1/ach/return-deadline?settlement_date=2026-10-29&code=R10MCP tool ach_return_deadline

API and MCP docs

Related tools

US · ABA routing numbers
Routing Number Validator
Check the 3-7-1 checksum, work out a missing check digit and read the Federal Reserve district. Paste a list to check many at once.
021000021
Check a routing number
International · IBAN
IBAN Validator
Validate mod-97 check digits and the BBAN structure for every country in the IBAN registry, extract bank and branch codes, compute check digits.
DE89 3704 0044 0532 0130 00
Validate an IBAN
International · BIC / SWIFT
BIC / SWIFT Parser
Split a BIC into institution, country, location and branch; spot test and passive BICs; convert between BIC8 and BIC11.
DEUTDEFF500
Parse a BIC
Calendars · Fed · TARGET2 · UK
Business Day Calculator
Is it a banking day? Add or count business days, find the next one, list a year’s holidays or download them as a calendar file.
us-fed · target2 · uk-ew
Do business-day math
Reference · Codes
Payment Code Lookup
Search ACH return and NOC codes, SEC codes, ISO 20022 status reasons and ISO 4217 currencies with their minor units.
R01 · AC04 · USD
Look up a code
Securities & entities
Identifier Check Digits
Verify the check digits of an LEI, ISIN, CUSIP or SEDOL, or run a Luhn check. The type is detected for you.
LEI · ISIN · CUSIP · SEDOL
Check an identifier
Checks · Amount in words
Check Amount in Words
Write a dollar amount out the way a check needs it, and cross-check written words against the figure.
$1,234.56
Write an amount in words

Settlement dateFedACH windows · Eastern Time

Use it from codeSame answer over REST or MCP · no key

Return, NOC and reversal deadlinesCounted on the Federal Reserve calendar

Use it from codeSame answer over REST or MCP · no key

Same Day ACH windows

Return timeframes at a glance

NOCs and reversals

What this calculator can’t know

Use it from code or an agent

Related tools

Routing Number Validator

IBAN Validator

BIC / SWIFT Parser

Business Day Calculator

Payment Code Lookup

Identifier Check Digits

Check Amount in Words