Analysis
Analysis: test posting and available-balance timing across payroll, refunds and other credit flows, including weekends and exception queues. A documented rule change is only useful to customers if the ledger, digital balance display and service team give consistent answers.
What remains uncertain
This concerns non-Same Day ACH credit availability, not the effective date of Nacha’s separate fraud-monitoring changes. Limited time-zone exceptions apply; consult the rule for exact coverage.