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      What is ACH and how does it affect your life? Here’s what you need to know.
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213 results related to "*"
March 9, 2023
Make Sure You’re Ready for Three New Nacha Rules
With one new Nacha Rule just taking effect last month and two others right behind in September, Nacha has a wealth of new and refreshed materials to help you along.  On June 30, Phase Two of Supplementing Data Security Requirements took effect, expanding …
January 15, 2025
Many Payment Systems, Many Strengths
Contrary to what you might think, there are no Yankees-Red Sox type rivalries among the nation’s payment systems. Quite the opposite, actually.  People and businesses have more payment options today than a decade ago, much less a generation ago, and …
March 3, 2023
Meaningful Modernization
Overview These Rules intend to improve and simplify the ACH user-experience by Facilitating the adoption of new technologies and channels for the authorization and initiation of ACH payments Reducing barriers to use of the ACH Providing clarity and …
May 3, 2024
Micro-Entries (Phase 1)
This Rule defines and standardizes practices and formatting of Micro-Entries, which are used by some ACH Originators as a method of account validation. The term Micro-Entry is defined, and Originators are required to use the standard Company and …
June 22, 2023
Micro-Entries (Phase 2)
This Rule will define and standardize practice and formatting of Micro-Entries, which are used by some ACH Originators as a method of account validation. This phase of the Rule requires Originators of Micro-Entries to use commercially reasonable fraud …
March 3, 2023
Minor Rules Topics
These changes will amend the Nacha Operating Rules (Rules) to address a variety of minor topics related to Meaningful Modernization, an ACH Operator edit and expiration of stop payments on non-consumer …
May 13, 2025
Moving Small Business from Checks to ACH Proves an Uphill Climb
NEW ORLEANS —A mom-and-pop restaurant is way different from a neighborhood lawn care company, which has little in common with the one-person consulting firm. Yet as Peter Tapling notes, “We tend to paint small business with a broad brush,” no matter how …
May 21, 2024
Moving Toward a ‘Checkless Campus’ at Colleges and Universities
Even higher education professionals can sometimes use a little schooling—especially about how to make and receive payments.  “I think for schools, their objective should be a checkless campus,” said Michael Herd, Nacha Executive Vice President, ACH …
March 16, 2023
Nacha’s RMAG on Third-Party Senders and the ACH Network
The Nacha Risk Management Advisory Group (RMAG) has developed sound business practices for ODFIs for both the onboarding of new Third-Party Sender (TPS) clients and the ongoing monitoring of existing TPS clients. Following recent discussions on the topic …

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