Now available: Strengthen your ACH risk mitigation with new premier FedDetect Anomaly Notification options
July 15, 2026
How are you adapting to Nacha®’s 2026 ACH risk management rules (Off-site)? The rules that recently went into place require RDFIs to “establish and implement risk-based processes and procedures designed to identify credit entries initiated due to fraud.” FedDetect Anomaly Notification for FedACH® Services, is designed to help you meet these compliance obligations.
The premier service provides detection designed specifically for RDFI ACH credit monitoring, along with originator and receiver return monitoring. The service analyzes your FedACH activity and sends email notifications when anomalous patterns are detected, helping you identify potential fraud.
- High Dollar Credits to Receiver: Alerts RDFIs to large dollar credits atypical for an account.
- High Dollar Credits to Consumer Accounts: Alerts RDFIs when corporate payments (CCD/CTX) go to consumer accounts.
- Unauthorized Return Activity by Receiver: Alerts RDFIs to concentrated unauthorized returns from consumer accounts.
- Unauthorized and Invalid Return Activity to Originator: Alerts ODFIs to emerging trends of increased unauthorized and invalid returns.
No complex integration required. If you already have the FedACH Information Services subscriber access level with FedLine Web® or FedLine Advantage®, you can self-enroll in minutes.
- Log in to FedLine® Home using your credentials and click the "FedACH" tab
- Navigate to "Risk Services" and select "FedDetect Anomaly Notification"
- Select the “Premier” checkbox in the “Enablement” portal to activate the service
- Add your contact information to receive email alerts when activity is detected
- Access detailed reports and case information through the “Reporting” portal
A cost-effective addition to your risk management toolkit. Premier pricing uses a tiered structure based on your financial institution's combined commercial receipt volume.
Take the next step with our fraud mitigation tools
- Explore the full FedDetect Notification Services suite — including Duplicate Check Notification and Payee Name Verification.
- Learn more about our suite of FedACH Risk® Management Services (PDF) available to provide your institution with tools to help mitigate ACH risk.
- Educate your staff about emerging fraud trends with Fraud Mitigation Toolkits (Off-site).
- Review Operating Circular 4, Appendix I for more information about the FedDetect Notification Services suite terms and conditions.
- Contact your relationship manager with questions about these services or with help signing up.