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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:

  • 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
  • Same Day ACH: Moving Payments Faster (Phase 1) | Effective: 2017-01-23
    NACHA has adopted a Rule to provide a new, ubiquitous capability for moving ACH payments faster. The Rule will enable the same-day processing of virtually any ACH payment. Currently, most ACH payments are settled on the next business day. There are many uses of ACH payments, however, for which businesses and consumers could benefit from same-day processing. This NACHA rule change will enable ACH Originators that desire same-day processing the option to send same-day ACH transactions to... Read More
  • Minor Rules Topics | Effective: 2016-08-18
    Clarification of Reinitiation – Standard Entry Description; RCK; and Returns for R03/R04 These amendments revise the recently-adopted rules governing the reinitiation of returned entries to make clarifications on formatting requirements and scope of coverage: (1) The recently effective changes to the reinitiation rules require the use of a specific company entry description (“RETRY PYMT”). In any case where an entry is returned and subsequently reinitiated, the rule intended the description... Read More
  • Disclosure Requirements for POS Entries | Effective: 2016-03-18
    This Rule establishes an Originator/Third-Party Service Provider obligation to provide consumer Receivers with certain disclosures when providing those consumers with cards used to initiate ACH Point of Sale (POS) Entries. NACHA continues to receive feedback from some financial institutions that they experience customer service calls and contacts regarding so-called ACH cards (i.e., cards issued by third-parties – generally non-financial institutions – that initiated debits to a consumer’... Read More
  • Establishing an Inquiry Process for Administrative and Overall Debit Return Rates | Effective: 2015-09-18
    This Rule establishes a guideline for an Originator's administrative return rate of 3 percent or below of the total Entries originated. The guideline applies to debit Entries returned due to administrative or account data errors (Return Reason Codes R02, R03 and R04). Additionally, this Rule also establishes an acceptable guideline for an Originator's overall debit Entry return rate of 15 percent or below of the total Entries originated (excluding RCK entries). Return rates that exceed... Read More
  • Reducing the Unauthorized Return Rate Threshold | Effective: 2015-09-18
    This Amendment to the Rules reduces the current return rate threshold for unauthorized debit Entries (Return Reason Codes R05, R07, R10, R29 and R51) from 1.0 percent to 0.5 percent of the total Entries originated.
  • Reinitiation of Debit Entries | Effective: 2015-09-18
    Reinitiation is the method permitted in the Rules to resubmit a returned Entry. The NACHA Rules now formally define the types of Entries that may be reinitiated, and those that are prohibited from reinitiation. This new Rule requires a reinitiated Entry to contain identical content in the following fields: Company Name, Company ID, and Amount. The Rules permit modification of other fields only to the extent necessary to correct an error or facilitate processing of an Entry. This change... Read More

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