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  • ACH Advisor - February 2023

    Upcoming Nacha rule change for 2023 

    Nacha has rolled out its 2023 ACH Operating Rules and Guidelines. There's only one change happening this year - Phase 2 of the Micro-Entries Rule takes effect March 17! Here are the details:

    • March 17, 2023 | Phase 2: micro-entries
      Originators of Micro-Entries will be required to use commercially reasonable fraud detection, including the monitoring of Micro-Entry forward and return volumes
    • September 16, 2022 | Phase 1: micro-entries
      The Micro-Entry Rule defines and standardizes practice and formatting of Micro-Entries, which are used by some ACH Originators as a method of account validation.  

    Additional details, and a full list of Nacha rule changes, can be found here.