Overview

Lithic is now able to release funds for qualifying Early Direct Deposit ACH payments, up to 2 days before the payment actually settles.

ACH Credit Receipts qualify as Early Direct Deposit if they are

sec_code = PPD
The settlement date on the ACH entry is at least one day later than the expected settlement

Details

Lithic has added:

A new ACH receipt event to indicate funds have been released early via a direct deposit: ACH_RECEIPT_RELEASED_EARLY
A new financial_account that tracks the running balance of funds made available via Early Direct Deposit, that have not yet settled: EARLY_DIRECT_DEPOSIT_FLOAT

The postings for this new event type and its balance impacts on financial accounts are as follows:

`event.type`	Pending Balance (financial account receiving payment)	Available Balance (financial account receiving payment)	Available Balance (Early Direct Deposit Float account)
`ACH_RECEIPT_PROCESSED`	None	None	None
`ACH_RECEIPT_RELEASED_EARLY`	Increased	None	Increased
`ACH_RECEIPT_SETTLED`	Decreased	Increased	Decreased

Customers who are approved for Early Direct Deposit can find their EARLY_DIRECT_DEPOSIT_FLOAT Financial Acccount by calling List Financial Accounts and filtering by type.

API Flow

Step 1. ACH payment is received, and funds are made available

Get Payment by ID response:

{
  "token": "12345678-1234-5678-1234-567812345678",
  "family": "PAYMENT",
  "category": "ACH",
  "result": "APPROVED",
  "status": "SETTLED",
  "type": "RECEIPT_CREDIT",
  "direction": "DEBIT",
  "source": "EXTERNAL",
  "method": "ACH_NEXT_DAY",
  "financial_account_token": "87654321-4321-8765-4321-876543218765",
  "external_bank_account_token": null,
  "currency": "USD",
  "settled_amount": 50000,
  "pending_amount": 0,
  "descriptor": "ACME CORP PAYROLL",
  "user_defined_id": null,
  "expected_release_date": null,
  "created": "2026-03-16T08:00:00-07:00",
  "updated": "2026-03-16T08:00:01-07:00",
  "method_attributes": {
    "sec_code": "PPD",
    "return_reason_code": null,
    "ach_hold_period": null,
    "return_addenda": null,
    "date_of_death": null,
    "retries": null,
    "company_id": "1234567890",
    "receipt_routing_number": "121000248",
    "trace_numbers": [
      "123456789012345"
    ],
    "addenda": "PAYROLL 03.16"
  },
  "events": [
    {
      "token": "d924e977-abda-4b02-bd22-a1725b9515e3",
      "type": "ACH_RECEIPT_PROCESSED",
      "result": "APPROVED",
      "amount": 50000,
      "created": "2026-03-16T08:00:00-07:00",
      "detailed_results": [],
      "external_id": "123456789012345"
    },
    {
      "token": "9c453023-be86-4cad-8bff-55da275994a2",
      "type": "ACH_RECEIPT_RELEASED_EARLY",
      "result": "APPROVED",
      "amount": 50000,
      "created": "2026-03-16T08:00:01-07:00",
      "detailed_results": [],
      "external_id": "123456789012345"
    }
  ],
  "related_account_tokens": null
}

Step 2. ACH payment settles

Get Payment by ID response:

{
  "token": "12345678-1234-5678-1234-567812345678",
  "family": "PAYMENT",
  "category": "ACH",
  "result": "APPROVED",
  "status": "SETTLED",
  "type": "RECEIPT_CREDIT",
  "direction": "DEBIT",
  "source": "EXTERNAL",
  "method": "ACH_NEXT_DAY",
  "financial_account_token": "87654321-4321-8765-4321-876543218765",
  "external_bank_account_token": null,
  "currency": "USD",
  "settled_amount": 50000,
  "pending_amount": 0,
  "descriptor": "ACME CORP PAYROLL",
  "user_defined_id": null,
  "expected_release_date": null,
  "created": "2026-03-16T08:00:00-07:00",
  "updated": "2026-03-18T09:00:00-07:00",
  "method_attributes": {
    "sec_code": "PPD",
    "return_reason_code": null,
    "ach_hold_period": null,
    "return_addenda": null,
    "date_of_death": null,
    "retries": null,
    "company_id": "1234567890",
    "receipt_routing_number": "121000248",
    "trace_numbers": [
      "123456789012345"
    ],
    "addenda": "PAYROLL 03.16"
  },
  "events": [
    {
      "token": "d924e977-abda-4b02-bd22-a1725b9515e3",
      "type": "ACH_RECEIPT_PROCESSED",
      "result": "APPROVED",
      "amount": 50000,
      "created": "2026-03-16T08:00:00-07:00",
      "detailed_results": [],
      "external_id": "123456789012345"
    },
    {
      "token": "9c453023-be86-4cad-8bff-55da275994a2",
      "type": "ACH_RECEIPT_RELEASED_EARLY",
      "result": "APPROVED",
      "amount": 50000,
      "created": "2026-03-16T08:00:01-07:00",
      "detailed_results": [],
      "external_id": "123456789012345"
    },
    {
      "token": "515124ac-1335-43a5-b789-978aac983a38",
      "type": "ACH_RECEIPT_SETTLED",
      "result": "APPROVED",
      "amount": 50000,
      "created": "2026-03-18T09:00:00-07:00",
      "detailed_results": [],
      "external_id": "123456789012345"
    }
  ],
  "related_account_tokens": null
}

Release Timeline

Available now: March 18, 2026.

User Impact

Customers must be configured to access Early Direct Deposit. Learn more about ACH via our ACH Payment Lifecycle

If you have any questions or concerns, please contact us via the HELP link in your Lithic Dashboard.

The Lithic changelog has an RSS feed! To monitor for new update announcements, subscribe with your preferred RSS reader.