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Due April 30th: ACH Fraud Prevention Requirements

Please provide documentation of your company’s fraud prevention procedures related to ACH origination by April 30th.

Help Us Keep Your Business Protected

As part of updated NACHA operating rules, financial institutions are required to collect fraud prevention procedures from businesses that originate ACH transactions. This requirement helps strengthen security across the payment network and ensures your business maintains best practices for preventing unauthorized transactions.

Get Started

What We Need From Your Business

Your organization’s fraud ACH fraud prevention procedures. If you have written procedures in place, please provide a copy using the form below.

If you do not, please continue reading for an example and template you can use as a guide to assist in developing ACH fraud prevention procedures.

See an Example

Due by April 30, 2026: Please upload your fraud prevention documentation using the secure form below, or contact your Business Development Officer if you have questions or need assistance preparing your procedures.

Example of ACH Fraud Prevention Procedures

Below is an example of how fictional company, ABC Company, has their ACH fraud prevention procedures written.

  1. Dual Authorization – All payment requests must be approved by two authorized employees before release.
  2. Callback Verification – Any request received by email, text, or phone for changes to account numbers, payment amounts, or beneficiary details requires a callback to a pre‑verified phone number.
  3. Restricted Email Instructions – The team will not process payment instructions that come solely from personal email addresses or unverified senders.
  4. Daily Review – A designated team member reviews all outgoing ACH and wire activity at the end of each business day.
  5. Internal Escalation – Any suspicious or unusual request is escalated to the Finance Manager before action is taken.

Send Us Your Procedures

Questions?

Our team is here to help. If you need guidance on what to include or have questions about this requirement, please reach out to your nearest Business Development Officer.

Contact Your Business Development Officer