The ACH Network helps consumers and businesses move money electronically. The Nacha Operating Rules define the legal framework and basic responsibilities for every ACH Network participant.
The accompanying Guidelines explain participant roles, Standard Entry Class (SEC) Codes, and ACH use cases, including special topics such as Third-Party Service Providers.
Together, the Rules and Guidelines help organizations understand network requirements, strengthen risk management, and support efficient ACH payments. Appendices cover Rules enforcement, annual audit requirements, return reason codes, and file-format specifications.
