T224 · Cat-19 · Payment Schemes · NACHA / ACH

NACHA ACH Rule Compliance Checker

Check your ACH programme configuration against NACHA Operating Rules §2–§9. March 2026 Fraud Monitoring rules embedded. Outputs compliance status per section, return code reference, Markdown memo, and compliance Policy Mandate JSON. Client-side. Zero PII.

Zero PII · Client-side Avoids NACHA fines (up to $500K per breach) under March 2026 fraud rules.

Last Reviewed · 2026-05-12

🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.

Educational Use Only This tool provides a self-assessment / educational framework for internal planning purposes only. It is not a regulatory audit, legal advice, or a substitute for a formal compliance review by a qualified advisor. Verify all interpretations against the official source text and applicable RTS/ITS/guidance published by the relevant authority.

Programme Configuration

Organisation Role

Primary SEC / Entry Class Code

Account / Receiver Type

Monthly Entry Volume (approx.) Used to assess return rate threshold monitoring requirements

Average Entry Amount (USD) Relevant to Same-Day ACH $1M per-entry limit

Uses Same-Day ACH (SDA)

Uses a Third-Party Sender

Account Validation for WEB Debits NACHA requires validation for new external accounts used in WEB debits

Data Security — Account Number Encryption NACHA Supplementing Data Security Requirements (§1.6) — phased deadlines 2023–2026

Compliance Assessment Results

Rule Section Findings

ACH Return Code Reference

Code	Description	Type	Timeframe

Regulatory Citations

[1] NACHA, NACHA Operating Rules & Guidelines 2024
[2] NACHA, March 2026 Rules Amendments — Fraud Monitoring, Return Rate Thresholds, effective March 2026
[3] NACHA, Supplementing Data Security Requirements, §1.6, phased implementation 2023–2026
[4] NACHA, WEB Debit Account Validation Rule, §3.3.2(b)
[5] NACHA, Micro-Entry Rule, effective Sept 2022 (Micro-Entry requirements)
[6] NACHA, Same-Day ACH Rules, Phase 3 — $1,000,000 per-entry limit effective March 2020
[7] Federal Reserve, Regulation E: Electronic Fund Transfers, 12 CFR Part 1005

About This Tool

This tool checks ACH programme configurations against NACHA Operating Rules §2–§9, with March 2026 Fraud Monitoring rules embedded. It covers ODFI origination warranties, RDFI posting and return obligations, Third-Party Sender requirements, WEB debit account validation, Same-Day ACH eligibility, and the Supplementing Data Security Requirements (DFI account number encryption).

March 2026 rule changes covered: Updated return rate thresholds (§2.17), enhanced fraud monitoring obligations, Third-Party Sender registration and monitoring requirements, and data security implementation deadline enforcement.

⚠ This tool provides compliance guidance only. It does not constitute legal advice and is not a substitute for formal NACHA Operating Rules review by qualified counsel or your ODFI's compliance team. Return rate thresholds and rule sections should be verified against the current NACHA Operating Rules publication. Last Reviewed: 2026-05-09.