Blog Posts

January 12, 2021
Moving the modern ACH Network forward to provide users with the best possible experience is one of Nacha’s most important goals. That’s why the ACH Network is always evolving, and this year will be no different. “2021 is going to be a year full of some great Rules changes, things that help drive our ACH Network forward, increase our volume, and keep it the safe, reliable ACH Network that we all know and love,” said Debbie Barr, Nacha Senior Director, ACH Network Rules Process.
January 6, 2021
Popular Blog Posts From 2020 While Rodgers’ and Hammerstein’s favorite things may have been raindrops on roses, whiskers on kittens and warm woolen mittens, for Nacha some of our favorite things include Direct Deposit and Split Deposit. Throughout 2020, we shared some of our favorite things in posts from Hollywood to a community church in Maryland to tips for simplifying your financial life.
January 6, 2021
It’s been more than two years since Nacha members approved a new Nacha Operating Rule on account validation for Internet-initiated debits. With the change of the calendar to 2021, the effective date of March 19 is just about upon us. Under today’s Rules, Originators of WEB debit entries must use what the Rules call a “commercially reasonable fraudulent transaction detection system” to screen those entries for fraud. 
December 29, 2020
Updated December 30, 2020
December 21, 2020
The online educational tool has been updated to help businesses adopt ACH as their preferred payment method for B2B and B2C payments Nacha and its Payments Innovation Alliance have expanded the ACH Quick Start Tool, an online educational resource designed to help small and medium-sized businesses more readily understand and use ACH to make and receive payments for an array of use cases.
December 21, 2020
In your list of new year’s resolutions, how about one to add your information to the ACH Contact Registry? If you already did, thank you! In fact, at the close of 2020, more than 32,000 contacts had been registered by financial institutions across the country. Nacha is thankful to those who have taken the time to do this. Not only are you fulfilling an obligation under the Nacha Operating Rules, you’re also helping your counterparts at other FIs far and wide, which is the goal of the Registry.
December 21, 2020
Teressa Frazier and her finance team had a routine. Immediately after worship service every Sunday at Victory Grace Center, they would walk around handing out envelopes containing pay checks to church staff and contractors.
December 18, 2020
These days, most of what businesses and individuals do on the web involves interacting with APIs, or application programming interfaces, which are an essential pillar of many of the online services we have come to rely on. In the payments and financial services industry, the interoperability of banking technology is just as important to stakeholders as checking out Beyoncé’s new Instagram post is to music fans. And the standardization of these more nuanced APIs is the key to interoperability.
December 16, 2020
It was two years ago when Nacha's Payments Innovation Alliance launched the Faster Payments Project Team to play a crucial role in helping organizations gain clarity on faster payments. Its mission was to provide tools to help financial institutions and business end users shape their faster payments strategy. This work continues today. So far, the Project Team has completed two valuable resources for the industry:
December 15, 2020
New Year’s Day 2021 brings with it a change to the Nacha Operating Rules. If you haven’t already, the time to familiarize yourself is now.  The new Rule defines an “egregious violation” as a willful or reckless action by a Financial Institution, Originator, or Third-Party Sender, involving at least 500 entries or multiple entries totaling a minimum of $500,000. 
December 14, 2020
File holders, you know who you are, but for those who don’t, allow us to explain.  Sometimes, organizations originating ACH payments use stale or other invalid dates in the “Effective Entry Date” field. Accidents happen, but some do it routinely or have never implemented the capability to use current Effective Dates. 
December 11, 2020
As part of its ongoing campaign to highlight the importance of Direct Deposit (, Nacha recently participated in a Twitter chat. In the one-hour online conversation with 91 contributors, 3,132 Tweets were sent addressing not only Direct Deposit, but also Split Deposit and ways to prepare financially for 2021.