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Nacha creates broadly adopted payment and financial messaging rules and standards through consensus-led governance, international collaboration, and innovative development practices. We continually advance the ubiquitous ACH Network and engage diverse stakeholders to accelerate a digital future of global financial services interoperability.

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Nacha Statement on Unauthorized ACH Reversals


Sept. 13, 2019 Nacha Statement

The ACH Network has strong consumer protection measures in place to protect them. There are rules in place to prevent unauthorized withdrawals, including unauthorized reversals of payroll deposits. This is an unprecedented and isolated incident, and obviously, these rules were circumvented in this case. We understand that this has been a hardship for many. Nacha contacted the responsible financial institution immediately upon learning of this incident to expedite the process of re-crediting these consumers’ accounts. There are also rules in place to allow consumers to be re-credited in the event that there are unauthorized withdrawals, and we have been working toward recovery and re-crediting of consumers ever since. Any employee or consumer that thinks they have been impacted in this case should contact their bank or credit union, and Nacha will work with those banks or credit unions as necessary.


Sept. 10, 2019 Nacha Statement

Nacha advises individuals that think they have been negatively impacted by to notify and file an unauthorized ACH transaction form with their bank or credit union.

Reversing a valid payroll deposit is not permitted under the Nacha Rules that govern the ACH Network. Nacha is investigating the responsible parties, and is working with financial institutions to undo or remedy any invalid transactions.