Nacha Certified is a voluntary accreditation program for Third-Party Senders in the ACH Network. In order to achieve certification, your company will need to provide documentation showing it meets certain core requirements. This includes:

• Independent Nacha Rules Audit
• ACH Risk Assessment
• Compliance and Risk Program Policies and Procedures
• Agreement to Criminal Background Check for all principals and key officers
• Audited Financial Statements

These criteria were drawn from the Nacha Operating Rules existing regulatory requirements and guidance, and principles of sound corporate governance and business practices.

The application fee is $5,000 and the certification period, if achieved, is two years. A $750 intervening year fee is required at the end of the first year along with limited documentation to maintain certification. A full review is conducted every two years.

Download detailed criteria.