more-arw search

Q&A Forum

2015 NACHA Operating Rules & Guidelines

I received a notice from my bank that we are required to purchase the 2015 NACHA Rules & Guidelines in order to continue using their ACH services. Is this a common requirement of commercial banks? I believe that the cost is nominal; however, it is more of a matter of principal.


Bruce Breeding
Title: Chief Financial Officer
Company: National Domestic Violence Hotline
(Chief Financial Officer, National Domestic Violence Hotline) |

If you go to you can create an account (no charge) and access a copy (read only) of the rules. Clearly the reading and understanding of the rules is important if you are going to use ACH's.

With respect to the requirement to purchase the rules, I can only conjecture that your bank either has created that requirement as a best practice policy/procedure, or, your bank contact is a little overzealous. Purchasing a copy possibly presumes you will read it. (Of course, did you read every text you purchased as a college student?) Our bank does not require us to purchase it. But, I did sign an agreement that says I will read it each year. That is painful enough.

I will say the website makes it easy to purchase a copy. As to how you respond to your banker, I'm sure others will comment on that matter.

Our organization is non-profit and we attempt to be wise stewards of funds entrusted to us by donors. Consequently, I have not purchased a copy. However, just finding the time to read the rules annually is a challenge.


Get Free Membership

By signing up, you will receive emails from Proformative regarding Proformative programs, events, community news and activity. You can withdraw your consent at any time. Contact Us.

Business Exchange

Browse the Business Exchange to find information, resources and peer reviews to help you select the right solution for your business.

Learn more

Contribute to Community

If you’re interested in learning more about contributing to your Proformative community, we have many ways for you to get involved. Please email [email protected] to learn more about becoming a speaker or contributing to the blogs/Q&A Forum.