Direct answer
A daily ACH MCA payment tracker is a schedule that compares each expected daily debit with the actual ACH debit that clears your bank account. It should show funder, debit date, expected amount, actual amount, variance, remaining balance, total daily cash impact, and notes for returned, skipped, or duplicate debits.
Key takeaways
- Daily ACH payments usually need business-day tracking, not monthly tracking.
- Expected and actual debit columns are the core of the tracker.
- A total daily cash impact row shows whether stacked payments are affordable.
- Variance flags help you spot over-debits before they repeat.
Daily ACH tracker structure
Daily ACH advances create stress because the debit hits before you have time to think about it. The tracker should be built around dates, not monthly statements. Each row should answer one question: what was supposed to happen today, and what actually cleared?
Status labels to use
- Matched: actual debit equals expected debit.
- Missing: expected debit did not clear.
- Over-debit: actual debit is higher than expected.
- Under-debit: actual debit is lower than expected.
- Duplicate: more than one debit cleared for the same funder and date.
- Returned: debit reversed or failed.
- Unmapped: bank debit has not been matched to a funder.
Track total daily cash impact
A single $450 debit may be manageable. Four daily ACH advances can turn that into $2,000 leaving the account every business day. Add a daily total at the bottom of the schedule so you can compare combined debits against average daily deposits and ending bank balance.
Daily review rhythm
- Check pending debits early, but mark them pending until settled.
- Record settled ACH debits from the operating account.
- Match each debit to the expected schedule.
- Investigate any variance before the next debit day.
- Update remaining balance and payoff projection.
- Save screenshots or exports when a debit is disputed.
Common questions
- Do daily ACH MCAs debit on weekends? Most fixed daily ACH MCAs debit on business days, but the contract controls. Check the payment schedule and bank holidays named in the agreement.
- What if the funder skips a debit? Mark it missing rather than deleting it. The funder may collect it later, add it to the end of the schedule, or treat it as a variance.
- How do I spot a double debit? Group bank transactions by funder and date. If two debits clear for the same expected payment day, flag the second debit for review.