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Effective Date: NACHA Rule on Micro-Entries

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 1 Effective Sept. 16, 2022: • “Micro-Entries” will be defined as ACH credits of less than $1, and any offsetting debits, for account validation. Credit amounts must be equal to, or greater than, debit amounts, and must be transmitted to settle at the same time. • Originators must use “ACCTVERIFY” in the company entry description field. • Company name must be easily recognizable to Receivers and the same or similar to what will be used in subsequent entries.

  • September 16, 2022
  • Time: All Day