ACH

2026 Nacha Operating Rules & Guidelines

Online Resource (web-based)

This interactive website provides access to both the full Nacha Operating Rules & Nacha Operating Guidelines, as well as any potential supplement details. The Online Resource website has been divided into sections for easy browsing and searching of the content. This resource has been set up to allow for an easy and responsive viewing experience from a desktop computer, laptop or a mobile device with enhanced product features:

• Customized Bookmarking
• Keyword/Phrase Search
• Copy options
• Printing options

Perfect for financial institutions to provide the Nacha Rules to corporate customers or members. 

Annual publication December 31, 2025 – December 31, 2026

Please Note: All digital purchases are final.

ACH Compliance Manual - 11th Edition - Various Formats

Various Formats

Hardcopy: An essential tool to ensure compliance with the Nacha Operating Rules & Guidelines, the 11^th edition offers crisp insights into authorizations, processing, and more from Nacha’s subject matter experts. Stay current with recent Rule changes on Micro-Entries and Third-Party Sender shifts and authorization updates. Whether you’re new to the payments industry or a seasoned professional, this offering simplifies complexities, provides insightful compliance tips, and includes a glossary and references to other valuable resources. 

via App(E-book): This Adobe-based product requires a third-party app called Flux Player to allow the content to be redeemed, downloaded to, and accessed only within the app. The content is read-only, E-book display is identical to the hard copy book. Once a Flux Player account app has been created and the content is redeemed within the Flux Player app, the content can be accessed on up to two devices using the same app account. Works on PC/Windows, Mac (OSX), Android phones and tablets, Apple IOS, and Kindle.

Note: If your organization requires special permission to download and/or install programs, please contact your IT department for assistance before purchase.

Note: All digital purchases are final.

Revised Uniform Commercial Code Article 4A and the ACH System - 4th Edition

Various Formats

Hardcopy: The refreshed 4^th Edition contains new statistics and evaluates the impact of the UCC 4A on security procedures, bank/corporate agreements, recommended contractual provisions, errors, unauthorized entries, and more. Includes Article 4A (law unchanged) with staff commentary. For financial institutions and corporations that handle ACH wholesale credits.

via App(E-book): This Adobe-based product requires a third-party app called Flux Player to allow the content to be redeemed, downloaded to, and accessed only within the app. The content is read-only, E-book display is identical to the hard copy book. Once a Flux Player account app has been created and the content is redeemed within the Flux Player app, the content can be accessed on up to two devices using the same app account. Works on PC/Windows, Mac (OSX), Android phones and tablets, Apple IOS, and Kindle.

Note: If your organization requires special permission to download and/or install programs, please contact your IT department for assistance before purchase.

Note: All digital purchases are final.

ACH Origination Third-Party Sender Agreement (SFE)

Electronic Format

Electronic Publication: This sample agreement, in a Word document format, includes critical terms and conditions that should be addressed in a legal agreement between a financial institution and a Third-Party Sender. There are numerous blanks and fields that should be completed and appropriately formatted before using this Agreement. Please remember that all contracts and agreements should be reviewed and modified where necessary by your legal counsel to be consistent with the specific needs or operations of your institution.

This publication is formatted as a Word document.

Format: Word

AgreementsNow! Third-Party Service Provider Agreement

Electronic Format

Electronic Publication:  As originators look to use third-party service providers for their ACH needs, the ODFI needs to ensure that all parties are informed and accountable for their obligations under the rules, regulations, and laws governing ACH. This product is designed to provide a comprehensive service agreement between ODFI, the originator, and the third-party service provider. The electronic document contains a customizable Microsoft Word document that includes critical terms and conditions between these parties.

This publication is formatted as a Word document.

Format: Word

Stop Payment Fillable PDF Form

Electronic Format

Electronic Publication:  Our comprehensive and convenient Stop Payment Request Form provides concise explanations on stop payment requests for single or recurring entries to consumer accounts; stop payment requests on paper items; and stop payment requests for entries to non-consumer accounts.

ePay's fillable PDF Stop Pay form can be completed online or emailed to the accountholder for them to fill out and send back to you. Includes a detailed companion document to facilitate your compliant handling of stop payment requests.

ACH Compliance Manual - 11th Edition - Various Formats

Various Formats

Hardcopy: An essential tool to ensure compliance with the Nacha Operating Rules & Guidelines, the 11^th edition offers crisp insights into authorizations, processing, and more from Nacha’s subject matter experts. Stay current with recent Rule changes on Micro-Entries and Third-Party Sender shifts and authorization updates. Whether you’re new to the payments industry or a seasoned professional, this offering simplifies complexities, provides insightful compliance tips, and includes a glossary and references to other valuable resources. 

via App(E-book): This Adobe-based product requires a third-party app called Flux Player to allow the content to be redeemed, downloaded to, and accessed only within the app. The content is read-only, E-book display is identical to the hard copy book. Once a Flux Player account app has been created and the content is redeemed within the Flux Player app, the content can be accessed on up to two devices using the same app account. Works on PC/Windows, Mac (OSX), Android phones and tablets, Apple IOS, and Kindle.

Note: If your organization requires special permission to download and/or install programs, please contact your IT department for assistance before purchase.

Note: All digital purchases are final.

ACH Guide for Originators – Basic

Electronic Format

Electronic Publication: Formerly known as the Corporate User ACH Origination Basics Guide, the purpose of this guide is to offer corporate ACH Originators a high-level understanding of the Nacha Operating Rules and Guidelines, crafted with the corporate end-user in mind. The guide discusses topics such as ACH Network participants, products (including the PPD, CCD, and WEB Standard Entry Class Codes), authorization requirements (including sample authorization forms), returns, Notifications of Change, and more. Upon purchasing this guide, you will also receive a sample letter that can be utilized when providing this resource to your ACH Originators.

Format: PDF

ACH Risk Assessment Workbook

Electronic Format

Electronic Publication: Designed to assist Financial Institutions, both RDFIs and ODFIs, in addressing ACH risk, this workbook covers risk obligations as defined in OCC Bulletin 2006- 39, ACH Risk Management Guidance, the FFIEC Retail Payment Systems IT Examination Handbook and current ACH Rules. Chapters include System and Controls, Credit Risk, High-Risk Activities, Compliance Risk, Third-Party Service Providers, Fraud Risk, Operational and Transaction Risk, and Information Technology Risk. Recent updates address data security, personnel practices, physical security, operational controls, credit risk related to Originator due diligence and Business Continuity planning and testing. By completing user-friendly worksheets, this workbook will identify strengths and weaknesses in your existing ACH risk management program and assist with the development of a comprehensive risk management program. Compliance officers, audit personnel and operations staff will find this to be a valuable tool. 

ACH Rules Review Guide for Originators

Electronic Format

Electronic Publication: This Rules Review Guide is designed to assist an originating company when reviewing its ACH functions and to provide an understanding of the requirements of the Nacha Operating Rules. The guide will help the originating company and its Financial Institution stay in compliance with the Nacha Operating Rules.

This guide contains the following attachments:

• 7-page ACH Rules Review Guide
• ACH Originator Review Form
• Sample Direct Deposit via ACH Authorization (Originator - Consumer Receiver)
• Sample Direct Payment via ACH Authorization (Originator - Consumer Receiver)
• Sample Authorization Language and Ineligible Items for ACH Check Conversion
• Returns, Notifications of Change (NOCs), & Other Codes
• Glossary of Terms
• ACH Security Framework Guidance and Checklists

Format: PDF/Word

ODFI Audit Checklists for Originators & Third-Party Senders

Electronic Format

Electronic Publication: This tool contains a series of ODFI Audit checklists providing an efficient tool for ODFIs to gauge their Originators/Third-Party Senders understanding and compliance with the ACH Rules. These checklists can be completed by financial institution staff or sent to the Originator and/or Third-Party to complete on its own and then return to the ODFI. Each Audit Checklist is a fillable PDF form for each type of ACH application. Complete or send the forms that are specific to the ACH services your institution originates.

Reg E All-in-One Resource Guide

Electronic Format

Electronic Publication: Does your financial institution have the appropriate procedures and documentation in place to effectively comply with Regulation E error resolution requirements? Compliance is a necessity for all financial institutions. Don’t spend your valuable time writing and creating documents! The Regulation E Resource provides essential sample documents you need to establish or enhance your Regulation E error resolution processes and maintain compliance:

• Regulation E Error Resolution Procedures
• Electronic Funds Transfer Error Resolution Log
• EFT Error Resolution Timeline Quick Reference Chart
• Regulation E Employee Training Log
• EFT Statement of Dispute
• Sample Notification Letters

This resource comes with one license and is intended for use by the purchasing organization only. 

This publication is formatted as a PDF document. Users must have access to Adobe Reader.

Format: PDF

Third-Party Sender ACH Risk Assessment Workbook

Electronic Format

Electronic Publication: The Third-Party Sender ACH Risk Assessment Workbook is designed to assist Third-Party Senders of all types in addressing their ACH risk. Content of the Workbook includes risk obligations as defined in the OCC Bulletin 2006-39, ACH Risk Management Guidance, the FFIEC Retail Payments Systems' IT Examination Handbook, FFIEC Guidance to Internet Banking and the current Nacha Rules. By answering yes, no, or not applicable, this Workbook will identify strengths and weaknesses in your existing ACH risk management program. Individual chapters address System and Controls, Credit Risk, Compliance Risk, High-Risk Activities, Third-Party Service Provider Risk, Operational & Transaction Risk and Information Technology Risk. EPCOR’s Third-Party Sender ACH Risk Assessment Workbook guides you in evaluating the Third-Party Sender’s risks by asking thought-provoking questions about its current ACH policies, procedures and processes. The 2025 Third-Party Sender ACH Risk Assessment Workbook has been updated for the 2025 Nacha Rules User-friendly worksheet questions are easily answered and include room for comments, to assist in developing a comprehensive ACH risk management program for your company. Compliance officers, audit personnel and operations staff within your organization will find the Workbook a valuable tool. 

Note: This product is intended for One-Time Use Only by Third-Party Senders. This publication is copyrighted and the purchase is good for one use. All digital purchases are final.

ACH Guide for Originators – Advanced

Electronic Format

Electronic Publication: Formerly known as the ACH Corporate User Guide, this comprehensive guide aims to empower ACH Originators by offering a nuanced exploration of the ACH Network, unraveling its history, key participants, and operational dynamics. It examines Originator responsibilities, and not only outlines preliminary requirements for establishing a robust ACH program but also provides in-depth insights into fundamental ACH operations. In addition, it addresses implementation concerns surrounding specific ACH payment applications, making it an indispensable resource for organizations navigating the intricacies of electronic payments.

This publication is formatted as a PDF document. Users must have access to Adobe Reader.

Format: PDF

ACH Origination Agreement Checklist for FI's

Electronic Format

Electronic Publication: This checklist may be used as a resource when drafting your ACH Origination Agreement. The topics included in the checklist are general topics that may not be consistent with the way your Financial Institution operates. This checklist may not appropriately address all the laws or regulations specific to the state where your Financial Institution is located and is not intended to constitute legal advice.

Format: Electronic Access Code

ACH Originator Annual Letter (Sample)

Electronic Format

Electronic Publication: Specifically crafted for Originating Depository Financial Institutions (ODFIs), this letter serves as an annual engagement tool with ACH Originators. It provides instructions on accessing the Nacha Operating Rules online and includes a comprehensive breakdown of the 2024 Federal Reserve Bank holidays. The letter is provided in a Word document format, offering ODFIs the flexibility to seamlessly integrate any additional pertinent information from their ACH origination education program into the letter.

This publication is formatted as a Word document.

Format: Word

ACH Quick Reference Cards for Corporate Users

Electronic Format

AgreementsNow! Business Online Banking Cash Management Master Service Agreement

Electronic Format

Electronic Publication: One master agreement that covers all your payments products eliminates the need for separate agreements that must be signed and filed for each service! This electronic document contains a modifiable Business Online Banking and Cash Management Service Master Agreement in Microsoft Word that captures what should be in every service agreement. You append further information using the multiple product schedules that are included in the document, but only the Master Agreement needs to be signed. Product schedules included in the document are:

• ACH Origination including authorization forms and more
• ACH Block-Filter
• Account Reconciliation including full, partial, and range
• Lockbox including retail, wholesale, and "wholetail"
• Line of Credit Sweep
• Money Market Sweep
• Positive Pay
• Remote Deposit Capture
• Wire Transfer
• Reverse Wire

The ACH, Remote Deposit Capture, and Wire Transfer agreements are also structured for stand-alone use if needed. The contents and price make this a very cost-effective package for your payments product program!

This publication is formatted as a Word document.

Format: Word

Guide to ACH Origination

Electronic Format

ODFI Risk Management Guide

Electronic Format

Electronic Publication: The purpose of this guide is to provide an easy to comprehend understanding of the risks of the ODFI (Originating Depository Financial Institution). It is designed to assist users with identifying and mitigating ODFI risk when operating in the ACH environment.

This guide contains the following attachments:

• 20-page ODFI Risk Management Guide
• ODFI Risk Management Checklist
• ACH Origination Approval Form
• ACH Exposure Limit Change Request Form
• ACH Originator Signature Agreement
• Company ACH Transmittal Letter
• ACH Origination Activity Review Form
• ACH File Confirmation Form
• ACH Security Framework Guidance and Checklists

Format: PDF/Word

Third-Party Sender ACH Risk Assessment Workbook

Electronic Format

Electronic Publication: The Third-Party Sender ACH Risk Assessment Workbook is designed to assist Third-Party Senders of all types in addressing their ACH risk. Content of the Workbook includes risk obligations as defined in the OCC Bulletin 2006-39, ACH Risk Management Guidance, the FFIEC Retail Payments Systems' IT Examination Handbook, FFIEC Guidance to Internet Banking and the current Nacha Rules. By answering yes, no, or not applicable, this Workbook will identify strengths and weaknesses in your existing ACH risk management program. Individual chapters address System and Controls, Credit Risk, Compliance Risk, High-Risk Activities, Third-Party Service Provider Risk, Operational & Transaction Risk and Information Technology Risk. EPCOR’s Third-Party Sender ACH Risk Assessment Workbook guides you in evaluating the Third-Party Sender’s risks by asking thought-provoking questions about its current ACH policies, procedures and processes. The 2025 Third-Party Sender ACH Risk Assessment Workbook has been updated for the 2025 Nacha Rules User-friendly worksheet questions are easily answered and include room for comments, to assist in developing a comprehensive ACH risk management program for your company. Compliance officers, audit personnel and operations staff within your organization will find the Workbook a valuable tool. 

Note: This product is intended for One-Time Use Only by Third-Party Senders. This publication is copyrighted and the purchase is good for one use. All digital purchases are final.

ACH Quick Reference Cards for Financial Institutions

Electronic Format

UCC Quick Reference Card

Electronic Format

2026 Nacha Operating Rules & Guidelines

Print (hard copy book)

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.

The Rules include the legal framework for the ACH Network and the basic obligations of each ACH Network participant. Additionally, the included appendices contain details on Rules enforcement, annual audit requirements, a complete table of return reason codes, and formatting specifications.

The Guidelines expand on the Rules, providing complete discussions of each ACH Network participant type and its role and responsibilities, detailed overviews of the Standard Entry Class Codes, and use-case examples in special topic areas, such as Third-Party Service Providers.

ACH Compliance Manual - 11th Edition - Various Formats

Various Formats

Hardcopy: An essential tool to ensure compliance with the Nacha Operating Rules & Guidelines, the 11^th edition offers crisp insights into authorizations, processing, and more from Nacha’s subject matter experts. Stay current with recent Rule changes on Micro-Entries and Third-Party Sender shifts and authorization updates. Whether you’re new to the payments industry or a seasoned professional, this offering simplifies complexities, provides insightful compliance tips, and includes a glossary and references to other valuable resources. 

via App(E-book): This Adobe-based product requires a third-party app called Flux Player to allow the content to be redeemed, downloaded to, and accessed only within the app. The content is read-only, E-book display is identical to the hard copy book. Once a Flux Player account app has been created and the content is redeemed within the Flux Player app, the content can be accessed on up to two devices using the same app account. Works on PC/Windows, Mac (OSX), Android phones and tablets, Apple IOS, and Kindle.

Note: If your organization requires special permission to download and/or install programs, please contact your IT department for assistance before purchase.

Note: All digital purchases are final.

Revised Uniform Commercial Code Article 4A and the ACH System - 4th Edition

Various Formats

Hardcopy: The refreshed 4^th Edition contains new statistics and evaluates the impact of the UCC 4A on security procedures, bank/corporate agreements, recommended contractual provisions, errors, unauthorized entries, and more. Includes Article 4A (law unchanged) with staff commentary. For financial institutions and corporations that handle ACH wholesale credits.

via App(E-book): This Adobe-based product requires a third-party app called Flux Player to allow the content to be redeemed, downloaded to, and accessed only within the app. The content is read-only, E-book display is identical to the hard copy book. Once a Flux Player account app has been created and the content is redeemed within the Flux Player app, the content can be accessed on up to two devices using the same app account. Works on PC/Windows, Mac (OSX), Android phones and tablets, Apple IOS, and Kindle.

Note: If your organization requires special permission to download and/or install programs, please contact your IT department for assistance before purchase.

Note: All digital purchases are final.