Enhanced capabilities to support your ACH compliance efforts
According to 2026 Nacha® ACH risk management rules (Off-site), receiving depository financial institutions (RDFIs) are now required to “establish and implement risk-based processes and procedures designed to identify credit entries initiated due to fraud.” FedDetect Anomaly Notification for FedACH® Services, part of the FedDetect Notification Services suite, is designed to help you meet these compliance obligations. The service analyzes your FedACH activity and sends email notifications when anomalous patterns are detected, helping you identify potential fraud.
Targeted detection for today’s threats
Building upon complimentary FedDetect Anomaly Notification notifications, the premier service provides targeted detection for RDFI ACH credit monitoring, along with originator and receiver return monitoring:
- Anomalous High Dollar Credits to Receiver: Alerts RDFIs to large dollar credits atypical for an account.
- Corporate High Dollar Credits to Consumer Accounts: Alerts RDFIs when large 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 originating depository financial institutions (ODFIs) to emerging trends of increased returns.
Explore the new notifications that can help you comply with the Nacha 2026 risk management rules.
Easy implementation and accessible pricing
No complex integration required. If you are already a FedACH Subscriber with FedLine Web® or FedLine Advantage®, you will be able to self-enroll in minutes.
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 fraud mitigation tools
- Subscribe to the complimentary notifications:
- Log in to FedLine Web or FedLine Advantage Solution
- Click on the FedDetect Anomaly Notification link under the “Risk Services” heading
- Add or update contacts to start receiving email notifications
- Explore the full FedDetect Notification Services suite — including Duplicate Check Notification and Payee Name Verification.
- Learn more about the suite of FedACH Risk® Management Services (PDF) available to provide your institution with tools to help mitigate ACH risk.
- Review Operating Circular 4, Appendix I (PDF) for more information about the FedDetect Notification Services suite terms and conditions.
- Contact your relationship manager with any questions about these services or with help signing up.
