Access to the Rules & Guidelines helps to identify new opportunities to leverage the ACH Network to meet customer’s needs, while maintaining a clear understanding of network requirements. 

The Rules include the legal framework for the ACH Network, and the basic obligations of each ACH Network participant. Additionally, the included appendices contain details on Rules enforcement, annual audit requirements, a complete table of return reason codes and formatting specifications. 

The Guidelines expands on the Rules, providing complete discussions of each ACH Network participant type and its role and responsibilities, detailed overview of the Standard Entry Class Codes and use-case examples in special topic areas, such as Third-Party Service Providers. 

Your 2024 Nacha Operating Rules & Guidelines format options include Book, Online Access, and eBook (aka Digital App, as it mimics the format of the printed book).