NACHA ACH Entry Lifecycle

From submitted through warehouse and settlement to returns, NOCs, and re-presentment

NACHA ACH Entry Lifecycle From submitted through warehouse and settlement to returns, NOCs, and re-presentment 01 / Lifecycle 02 / Return / NOC 03 / Recovery + exit Submitted · entry built · Lifecycle · entry 01 Submitted entry built entry Warehoused · await eff. date · Lifecycle · pending 02 Warehoused await eff. date pending Transmitted · sent to ODFI · Lifecycle · in-flight 03 Transmitted sent to ODFI in-flight Settled · posted at RDFI · Lifecycle · cleared 04 Settled posted at RDFI cleared NOC Applied · C01 corrected · Return / NOC · next cycle NOC Applied C01 corrected next cycle Returned · R-series code · Return / NOC · inbound Returned R-series code inbound Re-presented · soft retry · Recovery + exit · retry Re-presented soft retry retry Written Off · hard / unauth. · Recovery + exit · terminal Written Off hard / unauth. terminal Legend active state waiting terminal success failure / exit

Main Path

  • • Submitted entries warehouse until their effective date
  • • Release is banking-day aware and cutoff-bound
  • • Settlement is the fork point for all inbound events

Returns + NOC

  • • Returns and NOCs arrive as inbound files, keyed by trace
  • • A NOC posted, then corrects account data for next cycle
  • • Dispatch is driven by the two-character code

Recovery + Exit

  • • Soft returns re-present within a capped retry budget
  • • Hard and unauthorized returns are written off
  • • Re-presentment re-enters the rail as a fresh cycle

Lifecycle diagram • Built with Archify • Create yours ↗ • Hover to trace • R route • Click to focus • +/− zoom • M radar • [/] views • P play story • T theme • E export