ACH Advisor– Newsletter

Catalyst Corporate's ACH Advisor e-newsletter is dedicated to credit union operations staff who work in the ACH trenches each day. It contains important information about the implementation of Same-Day ACH, and is a forum for a broader spectrum of ACH-related topics.

The most recent edition is available below or you can visit the archives.

  • ACH Advisor - August 26, 2019

    Upcoming SDA rule change will make funds available earlier! The first of three new Same Day ACH rules takes effect on September 20, 2019. With this new rule, funds from SDA credits processed in the existing, first processing window (10:30 a.m. Central Time) will be made available by 1:30 p.m. in the RDFI's local time. Funds from non-SDA credits will be available by 9 a.m. RDFI’s local time on the settlement date, if credits were made available to the RDFI by 5 p.m. local time on the previous day. Learn more about Same Day ACH: round 2 changes.

    Return reason codes R10 & R11 to be redefined. Another Nacha rule change is an effort to more clearly differentiate unauthorized return reasons for consumer debits. Effective April 1, 2020, the definition of Return Reason Code R11 will change from “Check Truncation Entry Return” to “Customer Advises Entry Not in Accordance with the Terms of the Authorization.” Reason Code R10 will be defined as “Customer Advises Originator is Not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receiver’s Account.” More information is available at

    Nacha to roll out new data security requirements.This rule – which will roll out in two parts – adds stricter requirements to protect account numbers used in the initiation of ACH entries. For Originators and Third-Parties with ACH transaction volume greater than six million in 2019, the rule will take effect on June 30, 2020. For Originators and Third-Parties with ACH transaction volume greater than two million in 2020, this rule will take effect on June 30, 2021. Find out more.

    Tools for mitigating ACH risk. Risk management is a constant, ever-growing concern for most financial institutions. So when it comes to mitigating ACH risk, it all starts with a strong foundational knowledge of the rules and regulations. Here are a few useful tools you can use to stay in the know. 

  • ACH Advisor – April 4, 2019

    Change is Coming... Again: More Same Day ACH rules are coming down the pike, beginning this fall. Like the previous set of Same Day ACH rules, the next batch will be introduced in three phases. Here’s what you need to know.

    Brush Up On Your ACH Training: Catalyst Corporate’s Training Department offers ACH training webinars several times a year. Did we mention it’s free? AND Accredited ACH Professionals are eligible to earn continuing education credits! With upcoming classes on ACH origination, online administration of ACH and ACH audit requirements, there are plenty of opportunities to explore the many facets of ACH. Don’t miss out – view the training schedule and register through the links to the individual sessions.

    ACH vs. Other Faster Payments – How Do They Differ? There’s a lot of talk about accelerating payments today, and it can be confusing. In addition to NACHA’s Same Day ACH initiative, a new real-time payments network (RTP) is on the scene, and the Federal Reserve is evaluating faster payments processes. So, what’s the difference?

    NACHA Enhances R17 Return Code: Effective June 21, 2019, ACH transactions received with an invalid account number or no account found at the credit union may be returned with the Return Reason Code of “R17” and the word “QUESTIONABLE” in the addenda field. More information available at

    Tips of the Trade: As a Catalyst Corporate ACH user, you have access to several resources that can help make your job easier. Find out more about the following tools: ACH Overview, a Quick Guide to ACH Charts and Common ACH Return Reason Codes.