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ACH ORIGINATOR RESOURCES

ACH Originator Resources

Supporting You as an ACH Originator

You have responsibilities as an ACH Originator, and we are here to support you. We provide reliable resources to get you started and keep you up to date. The information we’ve included here includes product guides, Nacha rules, plus articles, videos and news on recent ACH trends. Nacha is the governing body of the ACH Network, a payment system that drives safe, smart, and fast Direct Deposits and Direct Payments. Need more information about First Merchants ACH Payments? Visit the ACH Payments product page for features, cut-off times and more.

Our team is here to support you. Treasury Solutions is easily accessible and can help with any of your service needs. Our ACH Quick Start Guide is the best resource to get you started once you’re set up. Your Treasury Management Officer will attentively listen to your needs and can help assemble the right electronic payments solutions for your business, leveraging ACH, ACH Positive Pay or other solutions. We can adapt the right technology to support you with payables and receivables.


Contact a Treasury Management Officer


Nacha Rules & Guidelines

June 19, 2026 – New ACH Rules go into effect

ALERT: This is an important notice for ACH Originators regarding your responsibilities for Risk Management and Fraud Detection.

Nacha is introducing new ACH rules that impact all ACH Originators. These changes are designed to strengthen the ACH Network by improving risk management and reducing fraud.

As an ACH Originator, you are expected to understand these updates and ensure your ACH practices align with these enhanced standards.

What’s Changing

The updated rules include increased expectations related to:

  • Risk management and oversight of ACH activity
  • Fraud detection and monitoring, particularly for ACH credit transactions
  • Accuracy and consistency of Originator and Company Entry information

What This Means for You

Originator Responsibilities

Under the updated rules, ACH Originators should:

  • Maintain risk management practices appropriate to their ACH volumes and transaction types
  • Monitor ACH activity to identify unusual or potentially unauthorized transactions
  • Use ACH Company information (Company Name, Company ID, etc.) consistently and accurately
  • Review internal processes related to ACH origination and approval

These expectations apply regardless of transaction size or frequency.

Reduce Risk with Dual Authorization

To help mitigate fraud and unauthorized activity, we strongly encourage the use of Dual Authorization for ACH transactions.

Dual Authorization:

  • Requires one user to initiate an ACH transaction and a second user to approve it
  • Provides an added layer of control for ACH and Wire Origination activity
  • Helps demonstrate sound risk management practices under the ACH Rules

Dual Authorization can be enabled through your Treasury Management setup.

For additional information, please visit www.nacha.org/newrules

Questions? Contact your Treasury Solutions Team at 1-866-833-0050.



Trends with ACH


If you have questions or would like help preparing for these changes, please contact our Treasury Solutions team at 1-866-833-0050, option 2.

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