Nacha 2026 Resource Hub
Everything you need to comply, detect, and investigate under Nacha 2026
Phase 2 takes effect June 22 — extending fraud monitoring obligations to every RDFI, ODFI, TPS, and TPSP, regardless of volume. Here's what the rules require and how to meet them.
Effective Date
Mar 20, 2026
Mar 20, 2026
Phase 2 Deadline
Jun 22, 2026
Jun 22, 2026
Volume Threshold
No volume threshold
No volume threshold
What Applies to You
Pick your role in the ACH network
Requirements vary by entity type. Select your role to see what's required and how Unit21 helps.
Receiving Depository
Financial Institution
Originating Depository Financial Institution
Third-Party Sender
Third-Party Service Provider
Our Solution
Unit21 helps RDFIs monitor incoming ACH entries using fuzzy name matching, entity-level behavioral rules, and velocity checks, so your team can flag anomalies and act before funds leave the account.
Our Solution
Unit21 lets ODFIs build and deploy risk-based fraud rules for outbound WEB debits without writing code. Flag payroll redirection attempts, BEC patterns, and anomalous origination behavior, with audit-ready documentation for examiner review.
Our Solution
Unit21 gives TPSs the detection infrastructure to monitor ACH transactions originated on behalf of clients. Build originator-level rules, flag anomalous patterns across your client portfolio, and manage alerts through a centralized platform without writing code.
Our Solution
Unit21's platform supports client-level rule customization, behavioral tracking across entities, and centralized case management, giving TPSPs the monitoring infrastructure to meet NACHA's fraud program requirements at scale.
Learn the Rules
Education & References
Practitioner-grade content to understand NACHA 2026 from the ground up. No vendor spin; just what the rules require.
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Unit21 Applied
How Unit21 Can Help
See how to actually implement a NACHA-compliant fraud program inside Unit21: rules, investigations, exam documentation, and all.
Webinar
NACHA 2026 in action: Unit21 does the work, live
NACHA's Phase 2 operating rules hit June 22, 2026, and they change what "reasonable" looks like for every ACH program.
Webinar
Navigating NACHA’s 2026 Operating Rules for ACH Fraud With Unit 21
Join Unit21 in this essential educational session exploring the 2026 NACHA Operating Rules and their implications for fraud monitoring across ACH payments.
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Blog
Building ACH Detection Rules for NACHA 2026: A Step-by-Step Guide for ODFIs and RDFIs
The NACHA 2026 operating rules don't just expand what counts as fraud. They expand what your institution is expected to catch.
