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NACHA - The Electronic Payments Association
Trade Association
IndustryFinancial services
Founded1974 (1974)

NACHA (previously the National Automated Clearing House Association) manages the development, administration, and governance of the ACH Network, the backbone for the electronic movement of money and data in the United States. It is funded by the financial institutions it governs. The ACH Network serves as a network for direct consumer, business, and government payments, and annually facilitates billions of payments such as direct deposit and direct payment. Used by all types of financial institutions, the ACH Network is governed by the NACHA Operating Rules, a set of rules that guide risk management and create certainty for all participants.

NACHA is a not-for-profit association and represents nearly 11,000 financial institutions via 11 regional payments associations [1] and direct membership.

In April 2017, NACHA announced that the ACH Network processed more than 25 billion payments worth more than $43 trillion in 2016, a 5.1 percent increase compared to 2015[2]

NACHA is not directly involved in the ACH transactions that flow to and from organizations and financial institutions, nor does NACHA send communications to individuals or organizations about individual ACH transactions.[3] Various phishing scams have attempted to use references to NACHA to scam people[4] or get them to install malware.[5][6][7]

See also[edit]


  1. ^ "Regional Payments Associations | NACHA". Retrieved 2016-11-22.
  2. ^ "ACH Volume Grows to More Than 25 Billion Payments and $43 Trillion in Value in 2016 | NACHA". Retrieved 2018-02-05.
  3. ^ "NACHA Phishing Scam Notice".
  4. ^ "ACH Transfer Rejected".
  5. ^ "NACHA payment rejected – malware".
  6. ^ "Compromised Websites unknowingly host malware".
  7. ^ "NACHA Payment cancelled – scam continues".

External links[edit]