What information must the RDFI provide to the Receiver if requested regarding an Entry by the opening of business on the second Banking Day following the Settlement Date?

The correct answer is rooted in the specifics of the ACH transaction processing rules. The RDFI (Receiving Depository Financial Institution) is required to provide the payment-related information field of an Addenda Record upon request from the Receiver, specifically by the opening of business on the second Banking Day following the Settlement Date.

The Addenda Record contains important information that can include details necessary for the Receiver to understand the specifics of a transaction. This might encompass details related to invoices, account numbers, or additional context that clarifies the purpose of the payment. By mandating that this information be provided promptly, it ensures that the Receiver has quick access to pertinent transaction details that could assist in bookkeeping, reconciliation, or dispute resolution.

Understanding this requirement underscores the importance of transparency in ACH transactions and highlights the mechanisms in place that protect receivers and enhance the integrity of the ACH system. The other choices, while related to transaction details, do not capture the specific requirement of providing addenda information in the context of the ACH rules.