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NACHA Rule Changes

All ACH originators are required to follow the NACHA rules. If you originate with us, your contract binds you to the NACHA rules.

For your convenience, please find summary information on recent and upcoming changes below:

  • Differentiating Unauthorized Return Reasons | Effective: 2020-04-01
    This rule better differentiates among types of unauthorized return reasons for consumer debits. This differentiation will give ODFIs and their Originators clearer and better information when a customer claims that an error occurred with an authorized payment, as opposed to when a customer claims there was no authorization for a payment. ODFIs and their Originators should be able to react differently to claims of errors, and potentially could avoid taking more significant action with respect to... Read More
  • Increasing the Same Day ACH Dollar Limit | Effective: 2020-03-20
    This new rule increases the Same Day ACH per-transaction dollar limit to $100,000 and will become effective on March 20, 2020. Details Increases the per-transaction dollar limit for Same Day ACH transactions to $100,000 Currently, Same Day ACH transactions are limited to $25,000 per transaction Technical The following changes to technical language represent modifications to the Nacha Operating Rules to adjust the per-transaction dollar limit to $100,000 for Same Day ACH entries... Read More
  • Providing Faster Funds Availability | Effective: 2019-09-20
    This Rule increases the speed of funds availability for certain Same Day ACH and next-day ACH credits. Details Establishes additional funds availability standards for ACH credits Funds from Same Day ACH credits processed in the existing, first processing window will be made available by 1:30 p.m. in the RDFI's local time Funds from non-Same Day ACH credits will be available by 9:00 a.m. RDFI's local time on the Settlement Date, if the credits were available to the RDFI by 5:00 p.m.... Read More
  • Return for Questionable Transaction | Effective: 2019-06-21
    This change to the Nacha Operating Rules will enhance quality and improve risk management within the ACH Network by allowing RDFIs to indicate within a return that the original transaction was questionable or part of anomalous activity. Details RDFIs may but are not required to use return reason code R17 to indicate that the RDFI believes the entry was initiated under questionable circumstances. RDFIs electing to use R17 for this purpose will use the description “QUESTIONABLE” in the... Read More
  • ACH Rules Compliance Audit Requirements | Effective: 2019-01-01
    This rule changes the structure of the audit requirement within the Rules, but does not change the requirement to conduct a Rules compliance audit annually. This rule change modifies the Rules to provide financial institutions and third-party service providers with greater flexibility in conducting annual Rules compliance audits. The rule does not change the requirement to conduct a Rules compliance audit annually, but rather changes the structure of the audit requirement within the Rules by... Read More
  • Minor Rules Topics | Effective: 2019-01-01
    These ballots amend the Rules to address a variety of minor topics. Minor changes to the Rules have little-to-no impact on ACH participants and no significant processing or financial impact. Details ACH Operator Edits This change aligns the Rules with current ACH Operator file editing practices. Clarification on TEL Authorization Requirement This change makes clear that the general rules governing the form of authorization for all consumer entries apply to TEL entries. This rule... Read More
  • Same Day ACH: Moving Payments Faster (Phase 3) | Effective: 2018-03-16
    Same Day ACH: Moving Payments Faster (Phase 3) New capabilities of Same Day ACH become effective over three phases to allow financial institutions and businesses to acclimate to a faster processing environment, as well as to ease the implementation effort. Beginning March 16, 2018, RDFIs will be mandated to make funds available from same day ACH credits (such as payroll Direct Deposits) to their depositors by 5:00 PM at the RDFI’s local time. The Rule enables the option for... Read More
  • Improving ACH Network Quality - Unauthorized Entry Fee | Effective: 2017-10-03
    This Rule is intended to improve ACH Network quality by reducing the incidence of ACH debits that are returned as unauthorized. Under this Rule, an ODFI will pay a fee to the RDFI for each ACH debit that is returned as unauthorized (return reason codes R05, R07, R10, R29 and R51). ODFIs will have an economic incentive to improve the quality of the ACH transactions they originate. RDFIs will be compensated for a portion of the costs they bear for handling unauthorized transactions, and will... Read More
  • Third-Party Sender Registration | Effective: 2017-09-29
    DEADLINE for initial registration is March 1, 2018. This rule requires Originating Depository Financial Institutions (ODFIs) to identify and register their Third-Party Sender customers. The registration process promotes consistent customer due diligence among all ODFIs, and serves as a tool to support NACHA’s continuing efforts to maintain ACH Network quality. Register your Third-Party Sender customers here. Initial Registration For ODFIs with no Third-Party Sender customers, the... Read More
  • Same Day ACH: Moving Payments Faster (Phase 2) | Effective: 2017-09-15
    New capabilities of Same Day ACH become effective over phases to allow financial institutions and businesses to acclimate to a faster processing environment, as well as to ease the implementation effort. Beginning September 15, 2017, Same Day ACH is available for debit entries, enabling the same-day processing of virtually any ACH payment. The Rule enables the option for same-day ACH payments through additional ACH Network functionality, without affecting previously available ACH schedules... Read More

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