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The hidden FX margin and total cost of a quoted international payment against the ECB euro reference rate, never presented as a tradable rate
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OpenAPIReference & guides6 tools
US ACH Timing and Rules
Nacha rule dates, the Same Day ACH per-entry limit and the Federal Reserve business-day calendar for businesses that send ACH payments, each dated and sourced
Unify Dynamics LLC
Tools6read-only
Sign-inNoneno account, no key
Data keptNoneprocessed in memory
PriceFreeoptional Pro limits
StatusLiveMCP + REST
Works withMCP · RESTany agent
Try asking
Real questions, and the tools your agent calls to answer them.
Can I send a $2,500,000 Same Day ACH payment today, and when does the limit change?
Tools called
same_day_limit_checkWhen must a receiving bank make an ACH credit available after the September 2026 rule change?
Tools called
funds_availability_ruleexplain_ruleWhich Nacha rule changes take effect after 1 September 2026, and which are already in force?
Tools called
nacha_changes_sinceWhat is the Nacha fraud monitoring rule and when did each phase start?
Tools called
explain_rulenacha_changes_sinceIf I send an ACH file on Thursday 2 July 2026, which is the next Federal Reserve business day, and is Friday 3 July a holiday?
Tools called
next_fed_business_dayfed_holidaysAbout
US ACH Timing and Rules answers date questions for a business that originates ACH payments through its bank. same_day_limit_check compares an amount with the Same Day ACH per-entry limit that applies on a date ($1 million until 16 September 2027, $10 million from 17 September 2027, as Nacha publishes). funds_availability_rule states the 9:00 am receiving-bank rule for non-Same Day credits from 18 September 2026. nacha_changes_since lists the published Nacha rule changes with effective dates and whether each is in force on a date, and explain_rule summarises one of them in the page's own words. fed_holidays lists Federal Reserve Bank holidays 2026 to 2030 with the Saturday and Sunday rules, and next_fed_business_day counts Federal Reserve business days from a date. Every tool takes an explicit date. Nacha's full rulebook is a paid publication and rules bind banks and their originators: only the dates and summaries Nacha publishes are used, and ACH cut-off times, Same Day ACH windows and bank-specific limits are not covered.
Sources: Reference data from official sources (federalreserve.gov, nacha.org); every answer states its source, date and validity period.
Privacy
The publisher, Unify Dynamics LLC, states that tool inputs are processed in memory and not retained.
Data not collectedNo account, no profile, no stored prompts or results.
What it can do
6 tools, grouped by job. Every one is read-only or compute-only.
- Same day limit checkCheck an amount against the Nacha Same Day ACH per-entry limit that applies on a date ($1 million until 2027-09-16, $10 million from 2027-09-17).
- Funds availability ruleState the receiving-bank funds availability rule for non-Same Day ACH credits on a date (9:00 am local time on the Settlement Date from 2026-09-18).
- Nacha changes sinceList published Nacha Operating Rules changes with effective dates in a date range and whether each is in force on a date.
- Explain ruleSummarise one published Nacha rule change in the wording of Nacha's page, with its effective date and status on a date.
- Fed holidaysList Federal Reserve Bank holidays for a year (2026 to 2030) with the days the Reserve Banks are closed under the Saturday and Sunday rules.
- Next fed business dayCount Federal Reserve business days after a date (the calendar ACH settlement relies on), skipping weekends and Reserve Bank holidays.
Information
PublisherUnify Dynamics LLC
CategoryMoney & business
LanguagesEnglish
Built forUnited States
CompatibilityAny MCP client · any agent · REST
Version0.1.0
MCP endpoint
https://us-ach-timing.connectorbay.com/mcpREST APIopenapi.json
CountryUnited States
FunctionsPaying suppliers & staff, Getting paid
LayerDeep connectors
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