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ACH Best Practices

Find everything you need to know about making safe and compliant ACH payments, all in one place.

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Rule Change: Coming March 20, 2026

If you use online banking to pay wages, salaries, or other forms of compensation – you may need to take action. Click here to learn more.

Why should you care about ACH responsibilities?

NACHA is the National Automated Clearing House Association. They set the rules for how money moves between banks using the ACH technology network.

These rules make sure payments are fast, accurate, and secure. Following them protects your business and your customers.

ACH Tutorials & Best Practices

Follow step-by-step instructions on how to properly use ACH services from your First Bank online banking account

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What happens if I make an ACH mistake?

If you’ve processed an ACH transaction that is undeliverable, or has been flagged as inaccurate or not compliant, you will receive an ACH Notice or an ACH Return. This demo will show you where to find these notifications and what to do next.

Learn how to review ACH Returns & Notices

Your responsibilities as an ACH originator

Using the ACH network is a privilege. NACHA rules require you to abide by a certain set of standards — before, during, and after sending a payment.

If you don’t follow the rules, your transactions might be returned, your ACH access could be restricted, or you may face financial penalties.

Get permission
You need clear authorization from the person or business before you debit or credit their account. If account details change, you should have verbal verification to avoid email fraud.
Follow Nacha rules
Nacha rule updates help keep the ACH Network safe and reliable. You must stay current with those updates.
Notify of Changes
If payment amounts or dates change, you must inform the receiver ahead of time.
Protect Data
You’re required to retain authorization records for at least two years. Keep account information secure and use fraud prevention measures.

Nacha Articles & Rule Changes


Have questions or unsure where to start?

Contact a Treasury Services rep or our support team for help.

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