When does acceptance of an ACH Entry occur for the ODFI?

The acceptance of an ACH Entry for the ODFI occurs when they execute or transmit the file. This is a critical point in the ACH process where the ODFI initiates the transaction by sending the entry to the ACH Operator. At this moment, the ODFI takes on the responsibility for the transaction, which includes the obligation to ensure that the entry conforms to the various requirements and regulations governing ACH transactions.

Transmission signifies that the ODFI has accepted the transaction for processing, and it is now in the system for further actions, such as routing to the appropriate Receiving Depository Financial Institution (RDFI). The other options refer to different stages or responsibilities in the ACH process. For instance, posting to the receiver's account pertains to the RDFI's role, and confirmation of receipt of funds involves the RDFI's actions and communications, both of which occur after the ODFI has already accepted the entry.