2026 Nacha Operating Rules & Guidelines - Access to the Rules & Guidelines helps to identify new opportunities to leverage the ACH Network to meet customers’ needs, while maintaining a clear understanding of ACH Network requirements.

Orders will be shipped in December 2025. 

As a valued PaymentsFirst member, you’ll automatically receive both a printed copy and an Online Resource Code at no additional cost—no order required. 

Print/Book

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