As part of an effort to improve and modernize the U.S. payments system, you may have already noticed a change in the times during the day that we apply electronic Direct Deposits to your account. This change was made to help provide you with faster access to funds for same-day Direct Deposits to your account. As of September 15, 2017, we changed the times that we apply certain electronic debit payments to your account*.

What Are the Benefits of Same Day Electronic Payments?

Many merchants and billing companies may offer you the option to make a same-day electronic payment, such as to pay a bill or to transfer funds. If you agree, then the funds might be debited from your account as soon as that very same day. For example, if you have a bill due on the 25th of the month, the billing company might allow you to call or use its website on the morning of the 25th to make an on-time payment, and also have the funds debited from your account on the 25th. While these types of payments won’t be reflected on your account balance as quickly as your debit card and ATM transactions, you will have access to more accurate information about your actual available account balance more frequently throughout the business day.

What Members Should Know

  1. Members should understand that when they authorize a merchant or biller to debit their account with their financial institution, the merchant or biller should include information or a statement about the timing of the payment. If the merchant or biller offers the consumer the option to make a same-day payment it might be referred to as a same-day payment, or noted that the merchant or biller intends to collect the funds as quickly as possible.
  2. If members have pre-authorized an electronic payment, such as a recurring mortgage or insurance payment, then very likely there will be no change to the time that these payments are posted to their account. As always, members’ financial institutions will receive and post these payments normally as designated by the transaction effective date.
  3. Members should always have sufficient funds to their account to cover every payment they make, authorize, or initiate, and they should frequently review their account statements and transactions.

What is an ACH?

ACH transactions are electronic transactions into or out of an account.

Incoming ACH transactions can include:

  • Direct deposit payroll
  • Electronic transfers from another financial institution

Outgoing ACH transactions can include:

  • Electronic loan payments from one financial institution to another
  • An electronic transfer of funds from one financial institution to another

Benefits of Same Day ACH

We believe there is true power in moving money faster in the United States – everything is faster today, and payments should be no different.

Benefits of Same Day ACH for Members: For the average member, payments are something you don’t really think about until you don’t get paid on time. Same Day ACH can alleviate this headache. For example, emergency payments become quicker and you can pay your bill in the last minute should you forget. 

  • Get fast, affordable emergency payments for things like natural disasters - insurers and nonprofits deliver quicker payouts to those in need quicker
  • Pay bills last minute, rent to your landlord or utility company in just a day
  • Take action quicker when managing personal investments and finance

Best Practices

It has always been important to keep enough money in your account to cover transactions, but now more than ever, it will be important to keep enough – if not a little extra – in your account to avoid any NSF or Overdraft fees. Keep track of your SFCU accounts and scheduled transactions using SFCU’s electronic services such as our Mobile Money App and Voiceline


*These electronic debits are commonly known as Direct Payment, Direct Debit, ACH Debit, Electronic Check or e-Check, and similar terms. They are different from your debit card payments and ATM transactions.

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