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Same day ACH

Did you know that your payments are now moving faster?

Thanks to Same Day ACH, payments that once took up to three days will now be complete in just hours.

What Has Changed?

What this means for you is no more tied up funds, or watching your account wondering when a transaction will post. With the new system, “pending” ACH transaction time could be shortened to just a few hours—so you can always be clear on what you have available to spend.

It is important to note that this also means the cushion of time between an ACH originating and processing will be gone, and you’ll want to carefully monitor your balances to ensure sufficient funds to cover transactions at all times.

What are ACH Transactions?

ACH stands for Automated Clearing House—it’s another way to move money paperlessly, and operates independently of credit and debit cards. Essentially, anytime you move money by providing your account number, and financial institution’s routing and transit number, you are probably making an ACH transaction.

Some examples are:

  • A payment that you make at a biller’s website that is deducted automatically from your checking account.
  • A transfer that you initiate between your accounts at different financial institutions.
  • Any transactions that require a voided check to initiate payment.

What Do I Need to Do?

The national ACH network will be updating to Same Day ACH on September 15.

While the speed of Same Day ACH transactions will help you maintain a clearer picture of your finances, the change may take some getting used to. Coconino Federal Credit Union recommends getting in the habit of checking your balances daily.


For many years we have sold discount tickets to Sea World, now instead of stopping at a branch to purchase them you can now buy them direct from Sea World and still get a great discount! One more convenient benefit of being a member of Coconino Federal Credit Union!

Get Your Discounted Tickets

Enter the promo code: SWCSW


Disneyland ResortWe have partnered with Get Away Today to offer you fantastic deals on Disney Vacations and MORE! Disney Resort or Disney World, Get Away Today has you covered, thinking about going to San Diego, Lego Land or Universal Studios, there are deals to be had.

Get-Away Today has great deals and the credit union does not receive any income from anything purchased, Get Away Today donates thousands of dollars every year to Children's Miracle Network to help Children's Hospitals across the country!  

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