FedDetect Anomaly Notification for FedACH^® Services

Designed to help your institution identify anomalous activity and supplement your fraud detection and alerting tools, FedDetect Anomaly Notification, part of the FedDetect Notification Services suite, allows subscribed users to receive notifications via secure email when anomalous FedACH activity is detected.

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Discover the benefits

• Identify atypical activity for the current day using baselines established for your financial institution’s historical activity or by comparing your ACH transactions to industry rules
• Receive timely notifications when anomalies are detected, allowing you to address concerns
• Adhere to Nacha rules around notifications of change and help avoid future rule violations, contributing to overall efficiencies within the ACH network
• Avoid overdraft situations by monitoring same-day activity at the final same-day deadline
• Learn more about the benefits by viewing the FedACH Risk Management Services product sheet (PDF).

Use cases

The complimentary use cases are currently offered to FedACH Participants at no additional cost.

Complimentary use cases

• Notifications of change (NOC)
  • Improve your operations by monitoring when your institution receives the same NOC more than once, outside of prescribed Nacha-designated change timeframes, indicating that an originator has failed to make updates.
• Same-day debit large dollar variance
  • Gain insight on your Fed account when unusual high-dollar debit batches will settle on the current processing day in the final same-day window and potentially require settlement account funding.
• Micro-entry forward and Micro-entry return monitoring
  • Monitor velocity of forward/return micro-entries for originators that use small-dollar entries for account verification purposes and potentially mitigate your institution’s fraud risk.

Premier use cases (Coming soon!)

The premier service provides detection designed specifically for RDFI ACH credit monitoring, along with both originator and receiver return monitoring. Detailed reports and case information will be available through the FedLine Web^® and FedLine Advantage^® Solutions.

• Anomalous High Dollar Credits to Receiver (RDFI)
  • Quickly analyze your account activity when a large dollar forward credit entry is received that is considered atypical based on your institution’s historical ACH activity
• Corporate High Dollar Credits to Consumer Accounts (RDFI)
  • Strengthen your fraud defense by receiving an alert when high-dollar corporate payments (CCD/CTX) are sent to accounts that historically received predominantly consumer SEC activity
• Unauthorized and Invalid Return Activity to Originator (ODFI)
  • Identify emerging trends of increased unauthorized returns or invalid debit return activity relative to your originator’s historical values
• Unauthorized Return Activity by Receiver (RDFI)
  • Identify trends by analyzing spikes of unauthorized return activity from a consumer within a short period of time

Pricing for the premier service is available within the FedACH Services 2026 Fee Schedule.

Easy sign-up

Current FedACH Subscribers can self-enable their financial institution. If your financial institution has more than one RTN in its account family, you can set up multiple or individual RTNs. You will receive notifications for any FedACH Participant RTN held by your financial institution. It’s that easy!

• Review Operating Circular 4, Automated Clearing House, Appendix I: FedDetect Notification Service for FedACH Services
• There is no additional cost for FedACH participants to enable the current complimentary use cases. To enable notifications, existing FedACH Subscribers should:
  • Log into their FedLine Web or FedLine Advantage Solution
  • Click on the FedDetect Anomaly Notification link under the “Risk Services” heading
  • Add contacts and start receiving secure email notifications
• Customers without FedACH Information Services access may complete and submit Part 6H of the FedACH Participation Agreement (PDF) to the Support Center to enable these RTNs for the complimentary option.

Questions

Contact the Support Center or contact your relationship manager.

Video transcript

Payments and technology landscapes are constantly evolving. Unfortunately, the threat landscape also continues to evolve as payment volume grows. Introducing FedDetect Anomaly Notification for FedACH Services.

This service monitors FedACH activity and sends notifications when anomalous activity is detected.

Plus, this service is available at no additional cost to FedACH Participants.

How ACH Anomaly Notification Works

• Detects atypical activity
• Sends notifications
• Helps you quickly address issues

Learn more about the new services on the FedDetect Notification Service page on FRBservices.org^®.

The Federal Reserve Financial Services

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