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.

Below is information on Nacha's Opt-in programs.

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).

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.

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.