NACHA Operating Rules Online

The Foundation for Every ACH Payment

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The ACH Network is the driving force in new innovations and technology in the way consumers and businesses access, move and use their money. The NACHA Operating Rules & Guidelines is the foundation needed for every ACH payment. Understanding the Rules & Guidelines keeps your organization at the top of its field -- ensuring efficient ACH payments, strengthening risk management practices and lessening returns and exceptions.

For 2018, the changes related to Same Day ACH and the newly implemented Third-Party Sender Registration rule have been fully incorporated into the text of the NACHA Operating Rules. The Regular Edition of the NACHA Operating Guidelines now includes an expanded discussion and scenarios surrounding Third-Party Sender Registration. Both the 2018 Regular and Corporate Edition Guidelines are updated to cover the latest guidance on consumer-originated debit transactions and refreshed information on OFAC requirements and obligations.

Access to the Rules & Guidelines helps to identify new opportunities to leverage the ACH Network to meet customer’s needs, while maintaining a clear understanding of network requirements. 

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