OBTAIN/RETAIN ACH AUTHORIZATION REMINDER

NACHA may assess a fine that could be passed on to you that ranges from $1,000 up to $500,000 per month if you are unable to provide proof that you have obtained authorization to debit your customer’s bank account.

The NACHA rules require you to obtain authorization before you originate ACH entries to your customer’s bank account and to retain that authorization for a period of at least 2 years. By not obtaining an authorization, and retaining it, you are non-compliant with NACHA Rules (Subsection 2.3.1 and 2.3.2.7).

If you have any questions please refer to your ACH user guide or contact customer service. Or, you may purchase a copy of your own NACHA Operating Rules at NACHA.ORG/STORE.

Committed to you

We at Heartland are committed to the success of you and your business. To that end, we want to provide you with the most up-to-date and accurate information about your ACH business with us. This website is dedicated to that goal.

This website contains reports and tools to help keep track of your business and profitability with us. We are kicking off the site with relatively simple reports that record basic metrics about your ACH business. However, we have big plans for exciting new features in the days ahead, so keep track of this space for future developments.

For our customers

If you are interested in using these tools for your ACH business, you will need to have an account created by Heartland support personnel. They will help you getting started with account registration and using the website. Please contact your boarding specialist to begin the process.