[AndyYSCISOdept]

This is not the fault of the processors. You have several options Andy. You could become a processor yourself or you could use an overnight processor such as Chase.
The system is primarily in place to support banking in the event of another emergency such as 9/11.
Check 21, the elimination of paper checks being presented for collection is well underway and the banking industy's priority.
Bob

Bob, I think you misunderstood what I was saying, either way, YSC is not in the processor business and in regards to Chase, their system was not adequate for our 7K ACH debits each day. Ultimately we are limited by the technology and systems used by the 3rd parties. That's not to say the blame 100% is all theirs.