Prepare Now for Nacha Rule Changes Taking Effect June 22, 2026

Nacha (formerly the National Automated Clearing House Association) is implementing new rules to strengthen fraud detection and standardize ACH payment descriptions. These phase II changes are effective June 22, 2026, and impact all organizations originating ACH transactions and are applicable to ACH processes and internal fraud controls. In preparation, your company may need to update fraud monitoring practices.

How to prepare

• Work with your internal partners to assess your company’s current fraud detection capabilities. Be sure to identify any gaps and address as needed to ensure compliance.
• Engage your third-party service provider or internal technology resources to prepare for required updates.

Phase II Effective June 19, 2026 (observed June 22): Fraud Monitoring Requirements

Fraud monitoring requirements: Applicable for ACH originators and third-party service providers.

The following requirements focus on impersonation attempts through business email compromise (BEC), vendor impersonation, and account takeover.

• Implement risk-based fraud detection processes for ACH entries to detect suspicious activity.
• Conduct mandatory annual reviews of these processes.
• Pre‑processing monitoring (screening entries before submission) is not required.

Have questions or need assistance?

Contact Synovus Customer Care at 888-SYNOVUS (796-6887) or your banking representative.

Visit the Nacha site to view additional information about rule changes and Rules and Risk Management Resources for originators.