Opt-in Programs
All financial institutions are welcome to participate in opt-in programs on unemployment benefits and IRS refund return. State governments and financial institutions can participate in the state tax refund return opt-in program.
Unemployment Benefits Return Opt-In Program: Recovery of Full and Partial Amounts
Nacha has created an Opt-In Program to better facilitate the return and recovery of potentially fraudulent unemployment benefits originally paid by ACH credits (i.e., Direct Deposit).
Become a participant in this program.
IRS Refund Return Opt-In Program
The IRS Refund Opt-In Program was developed by the IRS and Nacha to make it easier for financial institutions to return tax refund credits in cases of suspected error or fraud.
Become a participant in this program.
State Tax Refund Return Opt-In Program: Prevent Future Fraudulent Refunds
Developed by the State Revenue Agencies and Nacha, the State Tax Refund Return Opt-In Program makes it easier for financial institutions to return tax refund credits in cases of suspected error or fraud.
Become a participant in this program.
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