NACHA Rule Changes

Effective: 2026-01-01

Network Administration Fees
The Nacha Operating Rules require each Participating Depository Financial Institution that transmits or receives
ACH entries (commercial and Federal Government) to pay an annual fee and a per-entry fee to cover costs associated
with the administration of the ACH Network. These Network Administration Fees apply to all entries subject to the
requirements of the Nacha Operating Rules, whether such entries are transmitted via an ACH Operator, sent directly
from one Participating DFI to another, or sent through another entity. The Network Administration Fees have been
established by the Nacha Board of Directors and are reviewed and modified, as appropriate, on an annual basis.

NETWORK ADMINISTRATION FEES AND DATA REPORTING REQUIREMENTS
The accompanying chart provides information on the amount of the annual and per-entry fees for the 2026 calendar
year. The ACH Operators collect the annual fees and per-entry fees on behalf of Nacha for entries sent from one
Participating DFI to another Participating DFI through the ACH Operators.
Financial institutions are required to report and Nacha collects directly the per-entry fees for ACH entries not sent
through the ACH Operators, but that are sent as part of direct send or “on-we” arrangements. A direct send or
“on-we” arrangement is one in which a Participating DFI sends a payment file that uses the Nacha formats and/
or is covered by the Nacha Operating Rules, where that file is not processed by an ACH Operator, but instead is
exchanged with another non-affiliated Participating DFI, either directly or through another entity. This definition
applies regardless of how interbank settlement is accomplished.

Participating DFIs with direct send or “on-we” volume exceeding 5 million entries annually are obligated to file
the requisite reporting with Nacha quarterly. Participating DFIs with direct send volume below this threshold are
obligated to file with Nacha annually. These financial institutions are required to submit transaction volume data and
any associated fees directly to Nacha using Form N-7 (2026). Any Participating DFI whose direct send or “on we”
volume of entries originated or received exceeds 5 million for any quarter ending March 31, June 30, September 30, or
December 31, 2026 must submit the above data and fees on a quarterly basis thereafter. The submission deadlines for
quarterly filers are April 30, July 31, and October 31, 2026, and January 31, 2027. Participating DFIs that exceed the
threshold during the calendar year must aggregate all prior quarters’ fees in their current quarter’s Form N-7 (2026)
payment. Participating DFIs whose direct send volume is below this threshold must submit the above data and fees for
calendar year 2026 by January 31, 2027.

Nacha
2026 Schedule of Fees
ACH Network Administration Fees
This Schedule of Fees has been established by the Nacha Board of Directors for calendar year 2026 in
accordance with the requirements of the Nacha Operating Rules, Article One (General Rules), Section 1.13
(Network Administration Fees).
• Per-Entry Fee (January 1–December 31). . . . . . . . . . . . . . . . . $ .000185
• Annual Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 384.00

NETWORK ADMINISTRATION FEES — FILING REQUIREMENTS FOR PARTICIPATING
DEPOSITORY FINANCIAL INSTITUTIONS
Form N-7 (2026) is provided for the purposes of reporting and submitting payment of Network Administration Fees, as
required by the Nacha Operating Rules, on ACH entries that are transmitted or received under a direct send or “onwe” arrangement. These reporting requirements are not applicable to Participating DFIs whose entries are processed exclusively through an ACH Operator, where all applicable transaction volume will be reported to and fees collected
by the ACH Operators on behalf of Nacha.

Who Must File
Any Participating DFI that transmits or receives entries that use the Nacha formats and/or are covered by the Nacha
Operating Rules, where those entries are not processed by an ACH Operator, but instead are exchanged with another
non-affiliated Participating DFI, either directly or through another entity, during the 2026 calendar year.

Who Does Not Have to File
Any Participating DFI that transmits and receives 100% of its ACH entries during 2026 through an ACH Operator
or with affiliated Participating DFIs does not need to file Form N-7 (2026). All applicable Network Administration Fees
are billed and collected on Nacha’s behalf by the ACH Operator, and appear on your customer statement as “Nacha
Admin Network Fee/Entry” and “Nacha Admin Network Fee/Month.”

When and Where to File
Any Participating DFI whose direct send or “on-we” volume of entries originated and received exceeds 5 million for
any quarter ending March 31, June 30, September 30, or December 31, 2026 must file on a quarterly basis thereafter.
The submission deadlines for quarterly filers are April 30, July 31, and October 31, 2026, and January 31, 2027.
Participating DFIs that exceed this threshold during the calendar year must aggregate all prior quarters’ fees in the
current quarter’s payment. Participating DFIs whose direct send or “on-we” volume is below the threshold must
submit their calendar year 2026 data and fees by January 31, 2027.

Completed forms and payment must be received by Nacha no later than the above deadlines. Submit forms
electronically to N7Form@nacha.org.

Payment via ACH credit is preferred. The ACH credit must be initiated by the organization filing Form N-7. UPIC
Routing & Transit # 021052053, Acct # 59058945. Use CCD format for single filing. Complete in Batch Header (1)
Company Name (2) Company Entry Description (specify Form N-7 (2026)).
If paying by check, please make the check payable to Nacha and mail to: Nacha, Attn: Finance Department, 11951
Freedom Drive, Suite 1001, Reston, VA 20190.
Form Instructions
Line 1. Enter legal name of Participating DFI.
Line 2. Enter mailing address of Participating DFI.
Line 3a.   List the number of ACH entries transmitted and received by the Participating DFI that were not processed
by an ACH Operator but were exchanged with another non-affiliated Participating DFI, either directly or
through another entity, for the applicable period. Entries should be sorted by routing number of the nonaffiliated DFI and include debits, credits and entries of non-value. If there are more routing numbers than
spaces available, attach another sheet. Total columns and add together to calculate the grand total.
Line 3b. Enter the grand total from line 3a.
Line 4. Represents the 2026 per entry fee of $.000185
Line 5. Multiply line 3b by line 4 [example: (line 3b) 100,000 x (line 4) $.000185 = (line 5) $18.50]
Line 6.  Payment due is equal to the amount on line 5. Indicate payment method. If amount on line 5 is less than one
dollar, submit the completed form only; no payment is due.

Still Need Additional Information?
Downloadable Forms and Instructions are available at https://www.nacha.org/content/network-administration-fees
or contact Nacha, 800-487-9180 or 703-561-1100 or email: N

Effective Date: 2026-01-01 12:00 am