{"id":19236,"date":"2026-03-19T15:45:10","date_gmt":"2026-03-19T19:45:10","guid":{"rendered":"https:\/\/banescousa.com\/?page_id=19236"},"modified":"2026-03-19T15:48:36","modified_gmt":"2026-03-19T19:48:36","slug":"ach-communications-nacha-requirements-email","status":"publish","type":"page","link":"https:\/\/banescousa.com\/ach-communications-nacha-requirements-email\/","title":{"rendered":"ACH Communications NACHA Requirements – email"},"content":{"rendered":"\n\n\n \n \n \n \n \n \n Important Update: New NACHA Requirements for ACH Payments<\/title>\n\n <!--[if (mso 16)]>\n <style type=\"text\/css\">\n a {text-decoration: none;}\n <\/style>\n <![endif]-->\n <!--[if gte mso 9]>\n <style>sup { font-size: 100% !important; }<\/style>\n <![endif]-->\n <!--[if gte mso 9]>\n <noscript>\n <xml>\n <o:OfficeDocumentSettings>\n <o:AllowPNG><\/o:AllowPNG>\n <o:PixelsPerInch>96<\/o:PixelsPerInch>\n <\/o:OfficeDocumentSettings>\n <\/xml>\n <\/noscript>\n <![endif]-->\n <!--[if mso]>\n <xml>\n <w:WordDocument xmlns:w=\"urn:schemas-microsoft-com:office:word\">\n <w:DontUseAdvancedTypographyReadingMail\/>\n <\/w:WordDocument>\n <\/xml>\n <![endif]-->\n\n <style type=\"text\/css\">\n \/* RESET & COMPATIBILITY *\/\n u + .body img ~ div div { display:none; }\n #outlook a { padding:0; }\n span.MsoHyperlink, span.MsoHyperlinkFollowed { color:inherit; mso-style-priority:99; }\n a[x-apple-data-detectors], #MessageViewBody a {\n color:inherit !important;\n text-decoration:none !important;\n font-size:inherit !important;\n font-family:inherit !important;\n font-weight:inherit !important;\n line-height:inherit !important;\n }\n\n \/* RESPONSIVE *\/\n @media only screen and (max-width:620px) {\n .email-container { width:100% !important; max-width:100% !important; min-width:100% !important; }\n .adapt-img { width:100% !important; height:auto !important; }\n .content-padding { padding-left:20px !important; padding-right:20px !important; }\n p, a { line-height:150% !important; }\n h1, h2, h3 { line-height:120% !important; }\n td[style*=\"padding-right:28px\"] { padding-left:16px !important; padding-right:16px !important; }\n }\n <\/style>\n <\/head>\n <body class=\"body\" style=\"width:100%;height:100%;-webkit-text-size-adjust:100%;-ms-text-size-adjust:100%;padding:0;Margin:0\">\n <div dir=\"ltr\" class=\"es-wrapper-color\" lang=\"en\" style=\"background-color:#F6F6F6\"><!--[if gte mso 9]>\n <v:background xmlns:v=\"urn:schemas-microsoft-com:vml\" fill=\"t\">\n <v:fill type=\"tile\" color=\"#f6f6f6\"><\/v:fill>\n <\/v:background>\n <![endif]-->\n <table width=\"100%\" cellspacing=\"0\" cellpadding=\"0\" class=\"es-wrapper\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px;padding:0;Margin:0;width:100%;height:100%;background-repeat:repeat;background-position:center top;background-color:#F6F6F6\">\n <tr>\n <td valign=\"top\" style=\"padding:0;Margin:0\">\n <table cellspacing=\"0\" cellpadding=\"0\" align=\"center\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px;width:100%;table-layout:fixed !important\">\n <tr>\n <td align=\"center\" style=\"padding:0;Margin:0\">\n <table cellspacing=\"0\" cellpadding=\"0\" bgcolor=\"#ffffff\" align=\"center\" class=\"email-container\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px;background-color:#FFFFFF;width:600px;max-width:600px\">\n\n <!-- GREEN BANNER -->\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" valign=\"top\" style=\"padding:0;Margin:0;width:600px\">\n <table width=\"100%\" cellpadding=\"0\" cellspacing=\"0\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" style=\"padding:0;Margin:0;font-size:0\"><a target=\"_blank\" href=\"https:\/\/banescousa.com\" style=\"mso-line-height-rule:exactly;text-decoration:underline;color:#2CB543;font-size:15px\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2025\/02\/banner-green-banesco.png\" alt=\"\" width=\"600\" class=\"adapt-img\" style=\"display:block;font-size:15px;border:0;outline:none;text-decoration:none;margin:0\"><\/a><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n\n <!-- SPANISH LINK + LOGO -->\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0;padding-top:5px;padding-right:20px;padding-left:20px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0;width:560px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" style=\"padding:0;Margin:0;padding-top:30px;font-size:0\"><img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2025\/02\/logo.png\" alt=\"\" width=\"136\" style=\"display:block;font-size:15px;border:0;outline:none;text-decoration:none;margin:0\"><\/td>\n <\/tr>\n\n <!-- HEADLINE -->\n <tr>\n <td align=\"center\" style=\"Margin:0;padding-top:30px;padding-right:28px;padding-bottom:20px;padding-left:28px\"><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:27px;letter-spacing:0;color:#097654;font-size:24px\"><strong>Important Update: New NACHA Requirements for ACH Payments<\/strong><\/p><\/td>\n <\/tr>\n\n <!-- BODY CONTENT -->\n <tr>\n <td align=\"left\" style=\"Margin:0;padding-top:0px;padding-right:28px;padding-bottom:10px;padding-left:28px\">\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\">As part of an industry-wide initiative to enhance network transparency and combat fraud, NACHA has introduced updated standards for ACH Originators effective March 20, 2026. Please review the following information to see how our current tools support these changes.<\/p>\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br><\/p>\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\">Banesco USA is already fully equipped to facilitate your compliance with upcoming NACHA regulatory updates. Our existing Treasury Management and Online Banking infrastructure includes specialized modules designed to automate these requirements, ensuring your payment operations remain seamless and secure.<\/p>\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br><\/p>\n\n <!-- SECTION DIVIDER -->\n <table cellspacing=\"0\" border=\"0\" width=\"100%\" cellpadding=\"0\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\"><tr><td style=\"padding:0;Margin:0;padding-top:10px;padding-bottom:10px;border-bottom:1px solid #edf0f6;height:0px\"><\/td><\/tr><\/table>\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br><\/p>\n\n <!-- SUBHEADING: Automated Compliance -->\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:26px;letter-spacing:0;color:#097654;font-size:22px\">Automated Compliance for Payroll Transactions<\/p>\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br><\/p>\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\">To improve fraud detection, NACHA now requires all payroll-related ACH credits to include the term “PAYROLL” within the 10-character Company Entry Description field.<\/p>\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br><\/p>\n\n <ul style=\"font-family:arial, 'helvetica neue', helvetica, sans-serif;padding:0px 0px 0px 40px;margin-top:15px;margin-bottom:15px\">\n <li style=\"color:#333333;margin:0px 0px 15px;font-size:15px\"><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><strong>For ACH Payroll Module Users:<\/strong> No action is required. Our system is already configured to automatically insert the “PAYROLL” description on your behalf.<\/p><\/li>\n <li style=\"color:#333333;margin:0px 0px 15px;font-size:15px\"><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><strong>For Standard ACH Users:<\/strong> If you process payroll but do not currently utilize our dedicated ACH Payroll module, please contact us. We can enable this feature for your account to ensure your future transactions are automatically compliant.<\/p><\/li>\n <\/ul>\n\n <!-- SECTION DIVIDER -->\n <table cellspacing=\"0\" border=\"0\" width=\"100%\" cellpadding=\"0\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\"><tr><td style=\"padding:0;Margin:0;padding-top:10px;padding-bottom:10px;border-bottom:1px solid #edf0f6;height:0px\"><\/td><\/tr><\/table>\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br><\/p>\n\n <!-- SUBHEADING: Enhancing Your Payment Security -->\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:26px;letter-spacing:0;color:#097654;font-size:22px\">Enhancing Your Payment Security<\/p>\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br><\/p>\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\">Beyond regulatory requirements, Banesco USA recommends the following “risk-based” practices to protect your business from evolving fraud tactics:<\/p>\n\n <ul style=\"font-family:arial, 'helvetica neue', helvetica, sans-serif;padding:0px 0px 0px 40px;margin-top:15px;margin-bottom:15px\">\n <li style=\"color:#333333;margin:0px 0px 15px;font-size:15px\"><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><strong>Verify Recipient Changes:<\/strong> Always confirm bank account update requests from employees or vendors via a phone call to a trusted, known number<\/p><\/li>\n <li style=\"color:#333333;margin:0px 0px 15px;font-size:15px\"><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><strong>New Receivers:<\/strong> Ensure all new payment records are established using documentation from verified sources<\/p><\/li>\n <li style=\"color:#333333;margin:0px 0px 15px;font-size:15px\"><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><strong>Implement Dual Approval:<\/strong> Utilize a “second set of eyes” to authorize high-dollar transfers or new vendor setups<\/p><\/li>\n <\/ul>\n\n <!-- SUBHEADING: We Are Here to Support You -->\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:26px;letter-spacing:0;color:#097654;font-size:22px\">We Are Here to Support You<\/p>\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br><\/p>\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\">Our Treasury Management tools are purpose-built to handle these requirements so you can focus on your core business. If you do not currently see the <strong>ACH Payroll Module<\/strong> in your Online Banking menu, please reach out to our Treasury Management Team to have it enabled:<\/p>\n <p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><br><\/p>\n <ul style=\"font-family:arial, 'helvetica neue', helvetica, sans-serif;padding:0px 0px 0px 40px;margin-top:15px;margin-bottom:15px\">\n <li style=\"color:#333333;margin:0px 0px 15px;font-size:15px\"><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><strong>Phone:<\/strong> <a href=\"tel:3055971709\" style=\"mso-line-height-rule:exactly;text-decoration:none;color:#333333;font-size:15px\">305-597-1709<\/a><\/p><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px;padding-left:56px\">Monday through Friday from 8:00 am to 6:00 pm ET<\/p><\/li>\n <li style=\"color:#333333;margin:0px 0px 15px;font-size:15px\"><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:21px;letter-spacing:0;color:#333333;font-size:15px\"><strong>Email:<\/strong> <a href=\"mailto:tmssupport@banescousa.com\" target=\"_blank\" style=\"mso-line-height-rule:exactly;text-decoration:underline;color:#333333;font-size:15px\" rel=\"noopener\">tmssupport@banescousa.com<\/a><\/p><\/li>\n <\/ul>\n <\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n\n<!-- DIVIDER LINE -->\n<tr>\n <td align=\"left\" style=\"padding:0;Margin:0\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" valign=\"top\" style=\"padding:0;Margin:0;width:600px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" height=\"100%\" width=\"100%\" style=\"padding:0;Margin:0;padding-top:5px;padding-bottom:5px;font-size:0\">\n <table cellspacing=\"0\" border=\"0\" width=\"100%\" height=\"100%\" cellpadding=\"0\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td style=\"padding:0;Margin:0;padding-left:40px;border-bottom:1px solid #edf0f6;background:unset;height:0px;width:140%;margin:0px\"><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n<\/tr>\n\n<!-- FOOTER LOGO -->\n<tr>\n <td align=\"left\" style=\"padding:0;Margin:0;padding-right:20px;padding-left:20px;padding-top:10px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" valign=\"top\" style=\"padding:0;Margin:0;width:560px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" style=\"padding:0;Margin:0;font-size:0px\"><a target=\"_blank\" href=\"https:\/\/banescousa.com\" style=\"mso-line-height-rule:exactly;text-decoration:underline;color:#2CB543;font-size:15px\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2025\/02\/logo.png\" alt=\"\" width=\"136\" style=\"display:block;font-size:15px;border:0;outline:none;text-decoration:none;margin:0\"><\/a><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n<\/tr>\n\n<!-- WEBSITE LINK -->\n<tr>\n <td align=\"left\" style=\"padding:0;Margin:0;padding-right:20px;padding-left:20px;padding-top:10px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"none\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"center\" valign=\"top\" style=\"padding:0;Margin:0;width:560px\">\n <table cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" role=\"presentation\" style=\"mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px\">\n <tr>\n <td align=\"left\" style=\"padding:0;Margin:0\"><p style=\"Margin:0;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:19.5px;letter-spacing:0;color:#24467a;font-size:13px;text-align:center\">banescousa.com<\/p><\/td>\n <\/tr>\n <\/table><\/td>\n <\/tr>\n <\/table><\/td>\n<\/tr>\n\n<!-- OPT-OUT & COPYRIGHT -->\n<tr>\n <td\n style=\"padding: 20px 20px 6px 20px; 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