Nacha Operating Rules & Guidelines

The ACH Network is the driving force in new innovations and technology in the way consumers and businesses access, move and use their money. The Nacha Operating Rules & Guidelines is the foundation needed for every ACH payment. Understanding the Rules & Guidelines keeps your organization at the top of its field - ensuring efficient ACH payments, strengthening risk management practices and lessening returns and exceptions.

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

Recommended Best Practice

ODFIs should continue to provide the Rules to Originators. WesPay recommends the online format that can be emailed to originators, saving on shipping costs. Substantial discounts are provided for this format. Additionally, the WesPay Originator Self-Assessment is a tool which helps Originators self-assess their compliance with the Nacha Operating Rules. Find out more about this tool, or contact us for a demo at


The Nacha Operating Rules & Guidelines are available in three formats:

Online Resource (web-based) - This online interactive Nacha Rules resource contains the Nacha Operating Rules & Guidelines Premium Edition. Each version is a full HTML tool that has been divided into sections for easy browsing and searching. This resource allows for an easy and responsive viewing experience from a desktop computer, laptop or a mobile device with newly enhanced product features:

  • Bookmarking
  • Keyword/Phrase search
  • Copy and printing options
  • Archive access

Subscription access to the Online Rules is available January 1 through December 31 for the edition year. Please note: All purchases are final. Subscription codes are good only for the edition year and may not be carried over for use in the following year. This is the most commonly purchased format by ODFIs for their Originators.

Print Book - The Nacha Operating Rules & Guidelines in print is an essential component of every ACH Network participant’s library, as a valuable hard copy reference and a must for important and required contingency planning purposes. Purchase the Rules in Print product with other available formats (recommended, Online Resource and Digital Access) to provide additional means of convenient online and mobile access to the Nacha Operating Rules & Guidelines. Add a set of Rule Book Tabs to simplify finding frequently referenced sections. Each purchase through December 15, 2019, will include a subscription code for additional Online Rules access. Books purchased after December 15 will not include the subscription code. 

Digital Access (ebook) - This fully searchable, portable, Adobe-based product provides convenient, read-only access, with no available print function, to the Nacha Operating Rules & Guidelines — on up to two devices. Please note: All digital purchases are final. Subscription codes are good only for the edition year and may not be carried over for use in the following year.

This product utilizes a third-party App (Flux Player) to launch mobile access to the digital Rules content. Once the App (Flux Player) is downloaded to your device and the purchased access code is redeemed, content is available with no further internet connection required. This Digital Access product provides electronic access to the Rules content, without requiring a physical disc and works on numerous operating systems and devices, including: PC/Windows, MAC (OSX), smartphones, tablets and Kindle.


Complimentary Member Access to the Rules

Qualifying WesPay members will automatically receive annual complimentary access to the Nacha Operating Rules. Read our FAQs about this great member benefit.

Member Copy FAQ

2020 Nacha Operating Rules

2020 Rules Regular Pricing Sheet

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Volume Discounts Are Automatic!

Members receive volume discounts when signed in. Discounts will automatically be applied to items in your shopping cart based on the quantity ordered. Pricing is tiered for quantities of 1-9, 10-99 and 100+ same-item, single-order volumes.

Subscription Code Redemption Instructions

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