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. 

 expands 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. 

Making life a little easier...ONE EDITION!

Beginning in 2019, and to align with the ever-changing landscape of the payments industry, the Nacha Operating Rules products will be offered as one edition only. This extends to the existing print, online resource and digital access formats. Providing only the full edition ensures all users receive complete and accurate information for compliance. This simplification will provide ACH participants the opportunity to reference the same information, eliminating confusion on the rights and obligations for their organization. It will also simplify user purchase options by eliminating the confusing choice between Rules editions.

Recommended Best Practice

ODFIs should continue to provide the Rules to Originators, transitioning to the Regular edition in 2019. WesPay recommends the online format that can be emailed to originators, saving on shipping costs. 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

Early-Bird Pricing Extended through November 16, 2018

Order Early - Save More - Receive Earlier

Save more when you order during the early-bird window - the lowest pricing of the year. As always, volume discounts apply for even more savings. Order through the Online Store. Members, be sure you are logged in to be recognized as a member. 

Receive Earlier - Early-bird purchasers receive their orders earlier, too. WesPay distributes member copies of the Rules first, followed by early-bird orders. All other orders are distributed in approximately the order in which they were received. 


The 2019 Rules are available in three formats. 
Please note that the CD format is no longer available. WesPay recommends the Online Resource as an alternative.

Online Resource - This new online interactive Nacha Rules resource contains the Nacha Operating Rules & Guidelines Premium Editions. 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 2019 Nacha Operating Rules Online runs from December 31, 2018 through December 31, 2019. 

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, 2018, will include a subscription code for additional Online access. Books purchased after December 15 will not include the subscription code. 

Digital Access - This fully searchable, portable, Adobe-based product provides convenient, read-only access, with no available print function, to the digital 2019 Nacha Operating Rules & Guidelines — on up to two devices. Please Note: All digital purchases are final. 

This product utilizes a third-party App (Flux Player) to launch mobile access to the digital 2019 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)
  • Android phones and tablets, Apple
  • iOS (iPad, iPhone, iPod Touch)
  • Kindle

Order the 2019 Rules from WesPay Today!


2019 Nacha Operating Rules

Order Today!

Volume Discounts Are Automatic!

Members receive volume discounts when logged 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.

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

Subscription Code Redemption Instructions

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