New ACH Rules Coming in March

New ACH Rules

Nacha (organization that manages and governs the ACH Network) is introducing new ACH rules on March 20, 2026, as reported by Doctor of Credit.

NACHA (who are responsible for development, administration, and governance of the ACH Network) are implementing new rules on March 20, 2026. 

That includes these two updates and descriptions for the changes:

• RISK MANAGEMENT TOPICS – (Fraud Monitoring Phase 1)
  • The amendment is intended to reduce the incidence of successful fraud attempts.
  • Regular fraud detection monitoring can establish baselines of typical activity, making atypical activity easier to identify.
• RISK MANAGEMENT TOPICS – Company Entry Descriptions
  • RDFIs that monitor inbound ACH credits will have better information regarding new or multiple payroll payments to an account.
  • A standard description for payroll payments can help support RDFI logic to provide or suppress early funds availability.
  • The amendment is intended to reduce the incidence of fraud involving payroll redirections.

RISK MANAGEMENT TOPICS – (Fraud Monitoring Phase 1)
RISK MANAGEMENT TOPICS – Company Entry Descriptions

It’s not clear if this will affect the way that ACHs show up on the receiving end as far as bank bonuses go. ACHs will often satisfy direct deposit requirement for many bank bonuses.