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Nacha, the national ACH network, has announced rule updates taking effect in 2026 that impact payroll, online payments and electronic debits. We want to make sure your business is prepared, so we've provided a summary of those changes below.

Key Changes

1. New Fraud Monitoring Requirements (Effective in two phases on March 20, 2026 and June 19, 2026)

Businesses originating ACH may experience additional verification or outreach from us if we detect unusual activity. This helps protect your accounts from payroll fraud and vendor impersonation.

2. Required ACH Description Fields (Effective March 20, 2026)

Nacha now requires two standardized descriptions:
  • PAYROLL – for wage and salary deposits (PPD Credits)
  • PURCHASE – for consumer e-commerce debits (WEB, PPD, TEL)*
*The primary use of “PURCHASE” is for WEB/TEL SEC codes, which Summit Credit Union does not currently allow. “PURCHASE” would only be used in rare circumstances for e-commerce purchases when a standing authorization is in place that permits the use of PPD for such transactions. You will likely not use “PURCHASE.”

Please check your accounting or payroll software as it may require an update.

3. Faster Deposit Availability (Effective September 18, 2026)

ACH credits will post earlier in the day, improving access to incoming funds.

What You Need to Do:

  • Update payroll or accounting software templates
  • Ensure “PAYROLL” or “PURCHASE” descriptions are used where required
  • Implement dual control for ACH payments
  • Review ACH files before release
  • Contact us if you need help updating templates or testing files

Resources

Use our to easily get ready for the upcoming Nacha updates. For more information, check out the Nacha Rules you received at setup and ACH Payment Changes FAQs below.
  • How to view the Nacha Rules:
We are happy to assist you with each step and answer any concerns! Please reach out to us anytime with your questions at

ACH Payment Changes FAQs