10 Common ACH Pitfalls to Avoid (2023)


Introduction


The 2023 ACH audits conducted by NPG revealed key compliance pitfalls that financial institutions must address to avoid risk, fines, and operational inefficiencies. Among the most significant issues identified are:


Findings:

  1. Failing to Audit
  2. Third-Party Oversight
  3. ACH TrainingRisk Assessments
  4. Incomplete Agreements
  5. NOCs
  6. WSUDs
  7. Return Reason Codes
  8. DNEs
  9. Same Day ACH


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ACH Risk Assessment Common Findings (2023)