FedACH^® Services 2026 Fee Schedule

Browse by Product

• FedACH Origination and Receipt Fees
  • Product Fees
  • Origination (per item or record)
  • Receipt (per item or record)
  • FedACH Receipt Discount Program
• FedACH Risk^® Management Services Fees
• FedDetect^® Anomaly Notification Service Fees
• FedPayments^® Insights Service Fees
• FedPayments^® Reporter Service Fees
• Exception Resolution Service Fees
• Other Fees and Discounts
• FedGlobal^® ACH Payments Fees
• Application Programming Interfaces (APIs)

FedACH Origination and Receipt Fees

Product/Tier	Billing Code	Fee
Minimum monthly fee – forward origination1	57208	$55.00
Minimum monthly fee – receipt2	57209	$45.00

Product/Tier	Billing Code	Fee	Discount
Item fee – forward or return	57201, 57202, 57205, 57211, 57212, 57215	$0.0035
Volume Discounts (based on monthly billed origination volume):
Per item when origination volume is 750,001 – 1,500,0003	57228	$0.0027	($0.0008)
Per item when origination volume > 1,500,0004	57229	$0.0025	($0.0010)
Volume Discounts (based on monthly billed receipt volume)5:
Per item when receipt volume 10,000,001 – 15,000,000	57216		($0.0002)
Per item when receipt volume > 15,000,000	57217		($0.0003)
SameDay Service – forward item6	57620	$0.0010 (surcharge)
Addenda record	57219	$0.0015
FedLine Web®– originated Return/NOC7	57207	$0.50
Facsimile Exception Return/NOC8	57240	$45.00
SameDay Exception Return	57247	$45.00
Automated NOC	57245	$0.20

Product/Tier	Billing Code	Fee	Discount
Forward item	57220	$0.0035
Return Item	57221	$0.0075
Addenda record	57222	$0.0015
Volume Discounts (forward items):
Non-Premium Receivers9:
Items 750,001 – 12,500,000 per month10	57253	$0.0018	($0.0017)
Per item when volume > 12,500,000 per month11	57254	$0.0016	($0.0019)
Premium Receivers – Level One12:
Items 750,001 – 1,500,000 per month13	57253	$0.0018	($0.0017)
Per item when volume is 1,500,001 – 2,500,000 per month14	57253	$0.0018	($0.0017)
Per item when volume is 2,500,001 – 12,500,000 per month15	57256	$0.0017	($0.0018)
Per item when volume is 12,500,001 – 30,000,000 per month16	57257	$0.0015	($0.0020)
Per item when volume is > 30,000,000 per month17	57258	$0.0012	($0.0023)
Premium Receivers – Level Two18:
Items 750,001 – 1,500,000 per month19	57253	$0.0018	($0.0017)
Per item when volume is 1,500,001 – 2,500,000 per month20	57253	$0.0018	($0.0017)
Per item when volume is 2,500,001 – 12,500,000 per month21	57266	$0.0016	($0.0019)
Per item when volume is 12,500,001 – 30,000,000 per month22	57267	$0.0014	($0.0021)
Per item when volume is > 30,000,000 per month23	57268	$0.0011	($0.0024)

Product/Tier	Billing Code	Discount
Financial institutions with more than 30 million FedACH receipt items per month
Per item, Forward receipt	57450	($0.0002)
FedPayments® Reporter Service for FedACH	57451	(50%)
FedACH Exception Resolution Service	57452	(100%)
FedPayments Insights service	57453	(100%)
Financial institutions between 1 million and 30 million FedACH receipt items per month
Per item, Forward receipt	57455	($0.0001)
FedPayments® Reporter Service for FedACH	57456	(25%)
FedACH Exception Resolution Service	57457	(50%)
FedPayments Insights service	57458	(50%)

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FedACH Risk Management Services

Product/Tier	Billing Code	Fee
Monthly Package Fee (a single fee based on total number of criteria sets)
For up to 5 criteria sets	57920	$45.00
For 6-11 criteria sets	57921	$85.00
For 12-23 criteria sets	57922	$150.00
For 24-47 criteria sets	57923	$180.00
For 48-95 criteria sets	57924	$300.00
For 96-191 criteria sets	57925	$510.00
For 192-383 criteria sets	57926	$810.00
For 384-584 criteria sets	57927	$1,025.00
For more than 584 criteria sets	57928	$1,325.00
Batch/Item Monitoring
For total monthly volume ≤ 100,000	57803	$0.007/batch
For total monthly volume > 100,000	57813	$0.0035/batch

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FedDetect Anomaly Notification Service

Product/Tier	Billing Code	Fee
Complimentary Service	N/A	No Charge
Premier Service
ACH Commercial Receipt Volume
0 – 50,000 items/month	57831	$75.00
50,001 – 100,000 items/month	57832	$120.00
100,001 – 500,000 items/month	57833	$180.00
500,001 – 1,000,000 items/month	57834	$260.00
1,000,001 – 5,000,000 items/month	57835	$340.00
5,000,001 – 10,000,000 items/month	57836	$500.00
10,000,001 – 25,000,000 items/month	57837	$750.00
25,000,001 – 60,000,000 items/month	57838	$1,500.00
Over 60,000,000 items/month	57839	$5,000.00

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FedPayments Insights Service

Product/Tier	Billing Code	Fee
ACH Commercial Receipt Volume
0 – 50,000 items/month	57881	$75.00
50,001 – 100,000 items/month	57882	$120.00
100,001 – 500,000 items/month	57883	$180.00
500,001 – 1,000,000 items/month	57884	$260.00
1,000,001 – 5,000,000 items/month	57885	$340.00
5,000,001 – 10,000,000 items/month	57886	$450.00
10,000,001 – 25,000,000 items/month	57887	$550.00
25,000,001 – 60,000,000 items/month	57888	$625.00
Over 60,000,000 items/month	57889	$700.00

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FedPayments Reporter Service

Monthly Package (counts reflect reports generated as well as delivered via a FedLine^® Solution)

Product/Tier	Billing Code	Fee
ACH Customer Transaction Activity ACH Death Notification ACH International (IAT) ACH Notification of Change ACH Originated Entries Detail – Customer and DFI ACH Originator Setup ACH Payment Data Information File ACH Received Entries Detail – Customer and DFI ACH Remittance Advice Detail ACH Remittance Advice Summary ACH Report Delivery via FedLine ACH Return Item Report and File28 ACH Return Ratio ACH Return Reason Report – Customer and DFI ACH Social Security Beneficiary ACH Volume Summary by SEC Code – Customer	On Demand Reports29: 57701 or 57727	On Demand Reports: $1.00/report generated

Product/Tier	Billing Code	Fee
For up to 50 reports	57900	$50.00
For 51-150 reports	57901	$72.00
For 151-500 reports	57902	$133.00
For 501-1,000 reports	57903	$245.00
For 1,001-1,500 reports	57904	$355.00
For 1,501-2,500 reports	57905	$555.00
For 2,501-3,500 reports	57906	$775.00
For 3,501-4,500 reports	57907	$990.00
For 4,501-5,500 reports	57908	$1,200.00
For 5,501-7,000 reports	57909	$1,460.00
For 7,001-8,500 reports	57910	$1,700.00
For 8,501 – 10,000 reports	57911	$1,930.00
For more than 10,000 reports	57912	$2,100.00

Product/Tier	Billing Code	Fee
ACH Volume Summary by SEC Code Report – DFI
Reports 1 through 5	57728	$10.00
Reports 6 through 10	57738	$6.00
Reports 11+	57748	$1.00
On Demand	57726	$1.00 (surcharge)
ACH Routing Number Activity Report
Reports 1 through 5	57703	$10.00
Reports 6 through 10	57713	$6.00
Reports 11+	57723	$1.00
On Demand	57726	$1.00 (surcharge)
ACH Originated Batch Report (Monthly)
Reports 1 through 5	57751	$10.00
Reports 6 through 10	57757	$6.00
Reports 11+	57758	$1.00
On Demand	57726	$1.00 (surcharge)
ACH Originated Batch Report (Daily)
Scheduled	57755	$0.65
On Demand	57726	$1.00 (surcharge)

Product/Tier	Billing Code	Fee
Participation	57710	$10.00/month/RTN
Per Item	57707	$0.0030
Per Addenda	57708	$0.0015

Product/Tier	Billing Code	Fee
Via encrypted email	57702	$0.20/email

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Exception Resolution Service

Product/Tier	Billing Code	Fee
Monthly Fees31
Up to 5 cases/month	57861	$20.00/month
6-25 cases/month	57862	$40.00/month
26-50 cases/month	57863	$60.00/month
51-100 cases/month	57864	$100.00/month
101-1,000 cases/month	57865	$250.00/month
1,001-5,000 cases/month	57866	$400.00/month
5,000+ cases/month	57867	$500.00/month
Offline Service Participant – Case Fees32
Case Open Fee	57846	$5.00/case
Case Response Fee	57847	$5.00/case

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Other Fees and Discounts

Product/Tier	Billing Code	Fee
FedACH Participation Fee33	57234	$80.00/RTN/month
SameDay Service Origination Participation Fee34	57621	$10.00/RTN/month
FedACH Settlement Fee35
Premium Receivers	57233	$60.00/RTN/month
Non-Premium Receivers
For total monthly volume ≤ 1.5 million items	57932	$110.00/RTN/month
For total monthly volume > 1.5 million items	57933	$250.00/RTN/month
FedACH Information File Extract Fee	57227	$190.00/RTN/month
IAT Output File Sort Fee	57276	$150.00/RTN/month
Fixed Participation Fee – Automated NOCs36	57246	$5.00/RTN/month

Product/Tier	Billing Code	Fee
CD/DVD	57242, 57243	$50.00/CD or DVD
Paper	57244	$50.00/file or report

Product/Tier	Billing Code	Fee
Nacha Same Day Entry Fee	57610	$0.052/item
Nacha Same Day Entry Credit	57611	$0.052/item (credit)
Nacha Unauthorized Entry Fee	57996	$4.50/item
Nacha Unauthorized Entry Credit	57997	$4.50/item (credit)
Nacha Admin Network Fee/month	57998	$32.000/RTN
Nacha Admin Network Fee/entry	57999	$0.000185

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FedGlobal ACH Payments³⁹

The FedGlobal ACH Payments Service will be discontinued in 2026. Forward items originated to Mexico or Panama will be accepted until Nov. 20, 2026 and return items will be accepted through December 11, 2026.

Origination

Product/Tier	Billing Code	Fee
Monthly FedGlobal Origination Volume > 500 items	57540	$185.00/RTN/month
Monthly FedGlobal Origination Volume 161-500 items	57550	$60.00/RTN/month
Monthly FedGlobal Origination Volume < 161 items	57560	$20.00/RTN/month

Product/Tier	Billing Code	Fee
Mexico Service	57542	$0.55 (surcharge)
Panama Service	57543	$0.60 (surcharge)

Product/Tier	Billing Code	Fee
Mexico Service	57552	$0.80 (surcharge)
Panama Service	57553	$0.85 (surcharge)

Product/Tier	Billing Code	Fee
Mexico Service	57275	$1.05 (surcharge)
Panama Service	57500	$1.10 (surcharge)

Other FedGlobal ACH Payments Fees

Product/Tier	Billing Code	Fee
Return received from Mexico44	57285	$0.91 (surcharge)
Item trace45	57295	$13.50
F3X item originated to Mexico46	57264	$0.67 (surcharge)

Product/Tier	Billing Code	Fee
Return received from Panama47	57501	$1.00 (surcharge)
Item trace48	57504	$7.00
NOC	57506	$0.72

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Application Programming Interfaces (APIs)

Product/Tier	Billing Code	Fee
ACH File Origination Status ACH File Receipt Status ACH Settlement Summaries ACH Rejected Entries	N/A	No Charge
ACH Batch Origination Summary
For monthly call volume of 1 through 199	57651	No Charge
For monthly call volume of 200 or more	57652	$50/month
ACH Return Item49	57701	$1.00/call

Footnotes

1.  Any ODFI incurring less than $55 for the following fees will be charged a variable amount to reach the minimum: Forward value and non-value item origination fees, and FedGlobal ACH origination surcharges. ↩︎
2. Any RDFI not originating forward value and non-value items and incurring less than $45 in receipt fees will be charged a variable amount to reach the minimum. Any RDFI that originates forward value and nonvalue items incurring less than $55 in forward value and nonvalue item origination fees will only be charged a variable amount to reach the minimum monthly origination fee. ↩︎
3. Origination volumes at these levels qualify for a waterfall discount which includes all FedACH origination items. ↩︎
4. See footnote 3. ↩︎
5. Origination discounts based on monthly billed receipt volume apply only to those items received by FedACH receiving points and are available only to Premium Receivers. ↩︎
6. This surcharge is assessed on all forward items that qualify for same day processing and settlement and is incremental to the standard origination item fee. ↩︎
7. The fee includes the item and addenda fees in addition to the conversion fee. ↩︎
8. The fee includes the item and addenda fees in addition to the conversion fee. Reserve Banks also assess a $45 fee for every government paper return/NOC they process. ↩︎
9. RDFIs receiving through FedACH less than 90 percent of their FedACH-originated items. ↩︎
10. This per-item discount is a reduction to the standard receipt fees listed in this fee schedule. ↩︎
11. Receipt volumes at these levels qualify for a waterfall discount which includes all FedACH receipt items. ↩︎
12. RDFIs receiving through FedACH at least 90 percent of their FedACH-originated items, but less than 90 percent of all of their ACH items originated through any operator. ↩︎
13. See footnote 10. ↩︎
14. See footnote 11. ↩︎
15. See footnote 11. ↩︎
16. See footnote 11. ↩︎
17. See footnote 11. ↩︎
18. RDFIs receiving through FedACH at least 90 percent of all of their ACH items originated through any operator. ↩︎
19. See footnote 10. ↩︎
20. See footnote 11. ↩︎
21. See footnote 11. ↩︎
22. See footnote 11. ↩︎
23. See footnote 11. ↩︎
24. Federal Reserve Financial Services offers a five-year discount program to financial institutions that receive at least 1 million items per month through FedACH and meet the qualifications for Premium Receiver Level One or Level Two status. View code details and text on the FedACH Receipt Discount Program page. ↩︎
25. Criteria may be set for both the Origination Monitoring Service and the RDFI Alert Service. Subscribers with no criteria set up will be assessed the $45 monthly package fee. ↩︎
26. Monthly commercial receipt volume is calculated based on combined volume of all RTNs in an account family. ↩︎
27. Monthly commercial receipt volume is calculated based on combined volume of subscribed RTNs in an account family. ↩︎
28. The ACH Return Item Report may also be accessed via an API call with associated per call fees. See FedLine Developer for additional information. ↩︎
29. Premier reports generated on demand are subject to the package/tiered fees plus a surcharge. ↩︎
30. See footnote 28. ↩︎
31. The monthly fee is rolled up to the parent DI level, such that a DI that opts into the Exception Resolution Service under two separate RTNs would pay a single monthly fee based on the total number of cases opened for their two RTNs combined. ↩︎
32. A financial institution may enroll in the Service as an Offline Service Participant by designating the Reserve Bank to access and use the functionality of the application on behalf of the Offline Participant. ↩︎
33. The fee applies to RTNs that have received or originated FedACH transactions during a month. Institutions that receive only U.S. government transactions or that elect to use a private-sector operator exclusively are not assessed the fee. ↩︎
34. This surcharge is assessed to any RTN that originates at least one item meeting the criteria for same day processing and settlement in a given month. ↩︎
35.  The fee is applied to any RTN with activity during a month, including RTNs of institutions that elect to use a private-sector operator exclusively but also have items routed to or from customers that access the ACH network through FedACH. This fee does not apply to RTNs that use the Reserve Banks for only U.S. government transactions. ↩︎
36.  Fee will be assessed only when automated NOCs are generated. ↩︎
37.  Limited services are offered in contingency situations. ↩︎
38. The fees and credits listed are collected from the ODFI and credited to Nacha (admin network) or to the RDFI (same day entry and unauthorized entry) in accordance with the ACH Rules. ↩︎
39. The international fees and surcharges vary from country to country as these are negotiated with each international gateway operator. ↩︎
40. A single monthly fee based on total FedGlobal ACH Payments origination volume. ↩︎
41. This per-item surcharge is in addition to the standard domestic origination fees listed in this fee schedule. ↩︎
42. See footnote 40. ↩︎
43. See footnote 40. ↩︎
44. This per-item surcharge is in addition to the standard domestic receipt fees listed in this fee schedule. ↩︎
45. U.S. ODFIs are responsible for any investigation fees should they be assessed by foreign RDFIs or downstream payment participants. ↩︎
46. See footnote 40. ↩︎
47. See footnote 43. ↩︎
48. See footnote 44. ↩︎
49. Use of the ACH Return Item API is also subject to FedPayments Reporter Service pricing. ↩︎

See FedLine Developer for additional information.

Effective January 1, 2026

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