To improve the overall quality of the ACH Network by reducing returns, NACHA is implementing a rule that applies to ACH debit transactions that are returned as “unauthorized” by the Receiver.
The rule introduces a fee of $4.50, assessed to the originating financial institution, for each ACH debit transaction that is returned as unauthorized. The fee will be passed to the receiving financial institution to compensate them for expenses related to servicing and returning the transaction for their customer. The rule applies to the following return reason codes:
The fees for unauthorized debit returns as of October 3, 2016 would be applied to debits originated as early as August 1, 2016. NACHA will evaluate the fee amount every three years.
Please Note: The fee is not applicable to International ACH Transactions (IATs).
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