Free Checklist · The Payments Professor
ACH Fraud Prevention Checklist
The controls that stop ACH fraud — and get you ready for the 2026 Nacha risk-management rules. One page you can hand to your team and your board.
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Six sections covering the controls examiners expect — and the 2026 Nacha rules you can’t miss.
1 · Your 2026 Nacha Deadlines
Phase 1 (Mar 20), Phase 2 (Jun 22), and the annual audit.
2 · Fraud Monitoring — Sending Side
Screen originations, set baselines, monitor Originators & TPS.
3 · Fraud Monitoring — Receiving Side
Spot credit-push fraud; hold funds availability when needed.
4 · Account Validation & Change Controls
WEB-debit validation, out-of-band change checks, debit blocks.
5 · Data Protection & Operations
Encryption, secure transmission, and dual control.
6 · Governance, People & Audit
Risk assessment, training, incident response, annual audit.
Built for community banks, credit unions, and fintech partners running ACH.
From the leading authority on payments education
Created by Kevin Olsen — AAP, APRP, AFPP, NCP, CHPC — drawing on three decades in electronic payments. Get the checklist and put it to work today.
Send me the checklist