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ACH Audits

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Automated Clearing House Operations

The National Automated Clearinghouse Association (NACHA) mandates an annual audit of a Credit Union's Automated Clearinghouse (ACH) operations by December 31. The purpose is to demonstrate to regulators that the Credit Union has implemented controls, checks, and balances for ACH payments.

Our Services

  • Facilitate a smooth ACH audit process by checking for a comprehensible, routinely updates, and detailed policy.

  • Ensure that the Credit Union's policy reflects additional federal regulations, such as the:

    • E-Sign Act​

    • Funds Availability (Reg. CC)

    • Electronic Funds Transfer Act (EFTA)

    • Bank Secrecy Act (BSA)

  • Review the manual processes performed by the Credit Union's personnel, including:​

    • Processing returns​

    • Posting to accounts

    • Transmitting to the ACH Operator

    • Ensuring that agreements are obtained

    • Monitoring origination files prior to transmission

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