NACHA Operating Rules

Establishing Governance for the ACH Network

Making Electronic Payments Possible

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The ​NACHA Operating Rules, administered by NACHA since 1974, are the foundation for every ACH payment. By defining the roles and responsibilities of financial institutions and establishing clear guidelines for each Network participant, the Rules ensure that millions of payments occur smoothly and easily each day.

Your voice strengthens the Rules. Because the Rules are a living document, NACHA depends on user input to amend and update them. A deliberative and inclusive process, similar to that used by Federal agencies under the Administrative Procedures Act, allows ACH Network participants such as banks, credit unions, businesses, consumer advocates, government organizations and industry providers to comment on proposed rule changes. The Rules work in concert with applicable laws and regulations, providing a legal and business foundation for using ACH payments.


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Explore the Rules

Understanding the Rules keeps your organization at the top of its field, ensuring efficient ACH payments, strengthening risk management practices and lessening returns and exceptions. In addition, a deep knowledge of the Rules helps you identify new opportunities to leverage the ACH Network to meet your business needs. By purchasing or viewing the Rules online, you can:

  • Ensure that your organization is up-to-date on ACH payment requirements.
  • Stay ahead of coming changes to the Rules.
  • Identify new ways to leverage the ACH Network to meet business needs.

Purchase the NACHA Operating Rules

Use the NACHA eStore to purchase a copy of the Rules for your organization.

View the Rules Online

View the Rules on our dedicated microsite.