Business People

Automated Clearing House (ACH)

The Automated Clearing House (ACH) is the primary system that agencies use for electronic funds transfer (EFT).



The regulations for ACH are in 31 CFR Part 210.

Those regulations define both the rights and liabilities of all the people involved in the ACH system: government agencies, Federal Reserve banks, financial institutions, and the public. The regulations cover ACH credit entries, debit entries, and entry data that an agency starts or receives through the ACH system.

31 CFR Part 210 also includes the interim final rule that allows agencies to deliver federal payments to prepaid debit cards.


Federal Reserve ACH Operating Circular

This operating circular along with its appendices and the Federal Reserve schedules for time and fees govern how Federal Reserve Banks, sending banks, and receiving banks clear and settle commercial ACH credit and debit items. These include credit items subject to Article 4A.

Appendix D of the circular governs ACH for federal agencies.

The National Automated Clearing House Association

The National Automated Clearing House Association (NACHA)'s ACH Rules govern the ACH system. Participating financial institutions use the rules to transfer funds electronically.

For a copy of the NACHA ACH Rules, go to www.nacha.org. As a private organization (not a government agency), NACHA charges for copies of its rules.

Quick Links

Important: On September 11, 2017, the Department of Treasury's Fiscal Service published a final rule at 31 CFR Part 210, "The Federal Government's Participation in the ACH."

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