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.

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
• Take advantage of the complimentary use cases designed to address common customer needs at no charge:
  • Adhere to Nacha^® rules around notifications of change to help avoid rule violations and contribute to overall efficiencies within the ACH network
  • Avoid overdraft situations by monitoring same-day activity at the final same-day deadline
  • Comply with Nacha Rules for micro-entry monitoring against baseline
• Leverage premier transaction-level detection designed specifically for Nacha RDFI ACH credit monitoring, along with both originator and return monitoring (fees apply):
  • Highlight potential vendor impersonation
  • Receive early insights into debit returns to originators
  • Flag receivers who are generating unusual unauthorized return activity
• Receive timely notifications when anomalies are detected, allowing you to address concerns
• 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 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 (fees apply)

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 are 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

If you already have the FedACH Information Services subscriber access level with FedLine Web^® or FedLine Advantage^®, you can self-enroll in minutes. No complex integration required!

1. Review Operating Circular 4, Automated Clearing House, Appendix I: FedDetect Notification Service for FedACH Services
2. Log in to FedLine^® Home using your credentials and click the “FedACH” tab
3. Navigate to “Risk Services” and select “FedDetect Anomaly Notification”
4. Select the “Complimentary” and “Premier” checkboxes in the “Enablement” portal to activate the service
5. Add your contact information to receive email alerts when activity is detected
6. Access detailed reports and case information through the “Reporting” portal

Note: 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.

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