ACH Central

Your Catalyst for All Things ACH.


Automated Clearing House (ACH) is a network of financial institutions that transmits electronic debits and credits throughout the U.S. Transactions include payroll, consumer bills, tax payments and refunds and many more payment services. ACH is a cost effective and timely way to move money.

The mission of ACH Central and the ACH Advisor newsletter is to keep credit unions up-to-date on ACH rules and regulations, processes to improve operational efficiency, deadlines, training opportunities and answers to their ACH questions.

Catalyst Corporate offers a full complement of ACH services, including ACH Origination, ACH Receipt, International ACH, Business ACH Origination, ACH Contingency Support and ACH Fraud Protection.

Additionally, a team of Accredited ACH Professionals provides training on ACH topics throughout the year, such as: 

  • ACH Receipt - Rules & Regulations
  • ACH Origination - Rules & Regulations
  • ACH Audit Requirements

Upcoming Nacha Rule Changes

April 1, 2020 | Redefined return reason codes R10 & R11 to be introduced.
 This rule change is an effort to more clearly differentiate unauthorized return reasons for consumer debits. As a result, Return 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.” The definition of Reason Code R11 will change to “Customer Advises Entry Not in Accordance with the Terms of the Authorization.” More information on this rule change can be found at

July 1, 2020 | Contact Registration. Nacha is currently in the process of developing the ACH Contact Registry, an industry-wide database intended to help financial institutions more readily connect with one another on ACH operations, exceptions and risk management. Beginning July 1, 2020, all financial institutions participating in the ACH Network will be required to register contact information with Nacha for personnel or departments responsible for ACH operations and fraud/risk management. Registration will be conducted via the Risk Management Portal, and all contact information must be submitted by October 30, 2020. Find out more

June 30, 2021 | Supplementing data security requirements. This rule – which will be implemented in two phases – adds stricter requirements to protect account numbers used in the initiation of ACH entries. Nacha extended both of the original effective dates of this rule change by one year. Phase one, which applies to Originators and Third-Parties with more than six million ACH payments annually, will now take effect on June 30, 2021. Phase two, which applies to Originators and Third-Parties with more than two million ACH payments annually, is now effective on June 30, 2022. Additional details are available via Nacha's website.

Be sure to check this website for the latest ACH information, news and updates.