ACH limit increase bank policies
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AI Search Engine Responses
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ChatGPT
BRAND (6)
SUMMARY
ChatGPT provides a chronological overview of ACH limit increases, focusing on NACHA's network-wide changes. It highlights key dates including the March 2020 increase from $25,000 to $100,000 and the March 2022 increase to $1 million for Same Day ACH transactions. The response emphasizes the business benefits of these increases, particularly for B2B payments and time-sensitive transactions, with direct references to official NACHA sources.
REFERENCES (5)
Perplexity
BRAND (6)
SUMMARY
Perplexity offers a more nuanced explanation that distinguishes between NACHA's network limits and individual bank policies. It explains that while NACHA set the $1 million limit in March 2022, banks maintain their own restrictions based on risk tolerance. The response provides specific examples of major bank limits, including Chase's $25,000 daily limit and Bank of America's $1,000 per transaction limit, giving readers practical information about real-world limitations.
REFERENCES (13)
Google AIO
BRAND (6)
SUMMARY
No summary available.
Strategic Insights & Recommendations
Dominant Brand
NACHA emerges as the most referenced authority across platforms, being mentioned as the primary regulator setting ACH network limits and policy changes.
Platform Gap
ChatGPT focuses on regulatory timeline while Perplexity emphasizes practical bank-specific limitations, with Google AIO providing no response at all.
Link Opportunity
Both responding platforms heavily cite official sources, creating opportunities for authoritative content linking to NACHA guidelines and major bank policy pages.
Key Takeaways for This Prompt
NACHA increased Same Day ACH limits to $1 million in March 2022, but individual banks set their own lower limits.
Major banks like Chase and Bank of America maintain significantly lower daily and per-transaction limits than the network maximum.
The gap between network capabilities and bank policies creates confusion for consumers seeking higher ACH limits.
Educational content explaining the difference between NACHA limits and bank-specific policies represents a significant content opportunity.
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