NACHA Operating Rules & Guidelines

The NACHA Operating Rules & Guidelines (Rules) is the premier source of information governing the exchange and settlement of transactions through the ACH Network. The Rules are fully updated annually to include new Rule amendments approved prior to the time of publication.

The NACHA Operating Rules comes in two editions, with four formats offered for each.

EDITIONS

Regular - for financial institutions, third-party processors and payment providers. Includes the NACHA Operating Rules & Guidelines.

Corporate - for companies involved with ACH transactions. This edition helps to identify new opportunities to leverage the ACH Network for business-to-business and customer-to-business payments. 

The Rules are part of the Regular and Corporate editions and 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 overviews of the Standard Entry Class Codes and use-case examples in special topic areas, such as Third-Party Service Providers. The Regular edition Guidelines is topped off by appendices containing samples of required forms and disclosures, as well as quick reference charts.

The full Guidelines are included with the Regular edition. The Corporate edition contains excerpts from the Guidelines that are important to businesses such as the Originator role and obligations, as well as detailed overviews of the Standard Entry Class Codes.

FORMATS

Online - The electronic version of the Rules. Introducing a new full HTML site with responsive design. The Rules are divided into sections for easy browsing and content searches. The site is fully searchable by phrase and keyword, with additional "go to page" functionality. Printing capabilities have been added. Users have the ability to bookmark and save searches. Includes limited copying and pasting functionality. Access to the 2018 Rules Online runs from January 1, 2018 through December 31, 2018. Only the paid subscription contains the Guidelines​ and special features.

Print Book - Spiral-bound for easier use. Each purchase through December 21, 2017, will include a subscription code for additional Online access. Books purchased after December 21 will not include the subscription code. Add a set of Rule Book Tabs to simplify finding frequently referenced sections.

Digital Access via App - Provides access to the digital Adobe-based format (read-only) on up to two devices - anywhere, any time. Includes search and bookmark functionality. Once subscription code is redeemed within the App, content is available with no internet connection required. App can be used on PC or Mac, laptop, tablet or smartphone.

CD - A searchable, read-only format packaged in a cardboard, 4-panel, 5 1/4" square self-mailer sleeve. Each purchase includes a subscription code for additional Online access. The 2018 Rules on CD will not be available for sale from WesPay or NACHA after Thursday, October 26, 2017. 

 
Picture of the product2017 Corporate NACHA Operating Rules (Book)
For non-financial institutions: The print version of the NACHA Operating Rules, Corporate Edition, comes with access to the ACH Rules Online. It includes new Rule amendments approved prior to the time of publication. The site is fully searchable by phrase and keyword, with additional "go to page" functionality. Users have unlimited ability to bookmark and save searches. Limited copying and pasting functionality are also available. Add a set of Rule Book Tabs to simplify finding frequently referenced sections.

Regular price: 62.00
Discounted member price: 37.00
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Picture of the product2017 Corporate NACHA Operating Rules (Online)
For non-financial institutions: 2017 NACHA Operating Rules & Guidelines Corporate, (~Online) The ACH Rules Online contains the electronic version of the NACHA Operating Rules, Corporate Edition. The site is fully searchable by phrase and keyword, with additional "go to page" functionality. Users have unlimited ability to bookmark and save searches. Limited copying and pasting functionality are also available. Access is delivered as a serial number which must be registered. The serial number is delivered electronically by WesPay. Access is available from January 2, 2017 through January 2, 2018.

Regular price: 60.00
Discounted member price: 35.00
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408_17ON
Picture of the product2017 Corporate NACHA Operating Rules Digital Access via App
NEW FOR 2017! The App provides wireless access to the Corporate Rules whenever needed, and each purchased code provides authorized access on up to two devices. Users redeem purchased code through an App, create an account and download content (encrypted PDF). No internet needed after download. Offers bookmarking, search and, for mobile device users, a scroll page feature. Works on PC/Windows, Mac (OSX), Android phones/tablets, Apple iOS, Kindle and ChromeOS. Perfect for those with limited work internet access, the payments professional or the go, or the AAP Exam candidate.

Regular price: 60.00
Discounted member price: 35.00
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408_17DAA
Picture of the product2017 Regular NACHA Operating Rules Guidelines (Book)
The NACHA Operating Rules are fully updated annually to include new Rule amendments approved prior to the time of publication. The print version of the NACHA Operating Rules comes with access to the ACH Rules Online. The site is fully searchable by phrase and keyword, with additional "go to page" functionality. Users have unlimited ability to bookmark and save searches. Limited copying and pasting functionality are also available. Add a set of Rule Book Tabs to simplify finding frequently referenced sections.

Regular price: 97.00
Discounted member price: 54.00
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405_17
Picture of the product2017 Regular NACHA Operating Rules Guidelines (Online)
For Financial Institutions and Third-Party Providers: The ACH Rules Online is the electronic version of the NACHA Operating Rules. The Rules are fully updated annually to include new Rule amendments approved prior to the time of publication. The site is fully searchable by phrase and keyword, with additional "go to page" functionality. Users have unlimited ability to bookmark and save searches. Limited copying and pasting functionality are also available. Access is delivered as a serial number which must be registered. The serial number is delivered electronically by WesPay. Access is available from January 2, 2017 through January 2, 2018.

Regular price: 94.00
Discounted member price: 51.00
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405_17ON
Picture of the product2017 Regular NACHA Operating Rules (Digital Access via App)
NEW FOR 2017! The App provides wireless access to the Regular Rules whenever needed, and each purchased code provides authorized access on up to two devices. Users redeem purchased code through an App, create an account and download content (encrypted PDF). No internet needed after download. Offers bookmarking, search and, for mobile device users, a scroll page feature. Works on PC/Windows, Mac (OSX), Android phones/tablets, Apple iOS, Kindle and ChromeOS. Perfect for those with limited work internet access, the payments professional or the go, or the AAP Exam candidate.

Regular price: 75.00
Discounted member price: 50.00
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405_17DAA
Picture of the product2017 Rule Book Tabs
For Regular and Corporate Editions: Convenient self-stick tabs to quickly identify the sections you reference most frequently. It's the quickest way to mark Standard Entry Class (SEC) Codes, Return Reason Codes, NOC Codes, formatting tables, and other important sections of the ACH Rules print book. An index is included providing the relevant page number for each tab. Delivered in 2017 with Rule Book orders. (536_17) (WesPay)

Regular price: 12.00
Discounted member price: 6.00
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536_17

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 2017 Regular 2017 Corporate 2018 Regular  2018 Corporate

2018 Rules Price Sheet

Important Information About 2018 Rules on CD
Preorders for the 2018 Rules on CD ended October 26, 2017.
CDs will not be available for sale by WesPay or NACHA after October 26, 2017.

Technology trends are changing! CD drives are not standard equipment in many newer PCs and laptops and there is increased usage of tablets and smartphones. While not guaranteed, this may be the last year the NACHA Operating Rules are available on CD.

The Rules Online and Digital Access via App provide a robust alternative to the CD. The brand new Rules Online is full HTML for a better experience and the Digital App allows use on two devices. Don't let the word App fool you - it can be used on a PC or laptop, too! You may even reduce your delivery costs by providing a subscription code which can be emailed.

See current page for more about the formats of the NACHA Operating Rules & Guidelines.
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 volumes.
Complimentary Member Copy of the Rules
Qualifying WesPay members will automatically receive an annual complimentary copy of the NACHA Operating Rules. Read our FAQs  about this great member benefit.

Rules Courses - Coming Early 2018

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