Nacha News

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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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.
December 10, 2020
Property management is a big business that handles a lot of money, with managers collecting rents from tenants and then forwarding the funds to owners. As payments increasingly move online and away from paper checks, a fair share of those funds flow through the ACH Network. That makes it all the more important for property managers to be aware of their responsibilities when using the ACH Network.
December 10, 2020
Like the rest of the world, when COVID-19 hit, Jeffrey and Grace Littlejohn were concerned. And like many small- and medium-sized businesses, their family-run residential electrical services company experienced a steep decline in March and April. But a few months later, business began to pick up once again.
December 9, 2020
Nacha is requesting comment on a proposal to increase the dollar limit for Same Day ACH payments.  Complete details, including the Rules Proposal Description, the Modifications to the Rules, the link to comment, and more can be found here. We also invite you to watch our video:
December 8, 2020
Nacha Rules Enforcement Promotes Higher ACH Network Quality Consumers and businesses have come to trust the ACH Network as a secure way to receive their pay with Direct Deposit, pay bills through Direct Payment, donate to favorite causes and more. One factor that helps keep the ACH Network high quality is Nacha’s Rules enforcement.
December 8, 2020
With the holiday season in full swing chances are Direct Deposit isn’t top of mind. Understandable, but before the new year rolls around you should give it some thought. First, it’s worth looking back at 2020, even though for some of us it wasn’t the greatest year. But there are lessons to be learned from the adversity many experienced.
December 7, 2020
There is no doubt that COVID-19 has impacted the way financial institutions are handling payments and payment controls. Functions once performed in the office—be it a bank branch or back office operation—are now often being handled remotely—quite likely on secure laptops in home offices and on dining room tables. 
December 2, 2020
Long before anyone dreamed of using a smartphone to make a payment, people were exchanging shells for fresh fish or bushels of wheat. Over the centuries, the payments process has evolved to include currency, letters of credit, ACH, cards, checks and more. This fascinating history is covered in a new book published by Nacha, “The Story of Payments – How the Industrialization of Trust Created the Modern Payments System.”
November 23, 2020
The festive season is here and for many of us giving to our favorite causes is an important part of that. For the charities we open our hearts and wallets to, paying by ACH should be an important part of the process. “Charities and houses of worship can really see a tremendous value by using ACH for ongoing donations,” said Brad Smith, Nacha Senior Director, Industry Engagement and Advocacy. Sustaining donors who give regularly by ACH have tremendous value to charitable groups, and Smith has the numbers to back that up.
November 20, 2020
A big enhancement is coming next year for Same Day ACH, but changes to meet the needs of users are an ongoing process, the chairman of the Nacha Board of Directors told a recent conference of corporate treasury professionals. “We never stop. We’re always looking at where do we go next,” said Joe Hussey, Managing Director, North America Payables & Receivables Product Executive, J.P. Morgan.