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Effective Date: NACHA Rule on Micro-Entries Phase 2

A new Nacha Rule defining and standardizing Micro-Entry formatting and practices has been passed to improve the effectiveness of Micro-Entries as a means of account validation; to better enable Financial Institutions and other parties to identify and monitor Micro-Entries; to improve ACH Network quality.

Effective in two phases, though Nacha encourages all ACH Network participants to make use of the new provisions as soon as possible. 

Phase 2 Effective March 17, 2023: • Originators must use commercially reasonable fraud detection. This includes monitoring forward and return Micro-Entry volumes.

  • March 17, 2023
  • Time: All Day