The ACH Network is a payment system that reaches all U.S. bank and credit union accounts. ACH payments are routed utilizing the routing transit number (“routing number” or “RTN”) of the Receiving Depository Financial Institution (RDFI).  For accurate routing of ACH payments, it is important for parties involved in the origination of ACH payments to keep the routing information they use or access up to date.  Using outdated routing information can result in failed payments, causing significant customer dissatisfaction and additional exceptions and expense, as well as reputational risk for organizations and financial institutions.

This ACH Operations Bulletin serves as an aid in educating financial institutions, service providers and their ACH customers on the importance of keeping and maintaining, or having access to, accurate routing number information. All parties involved in the origination of ACH payments should incorporate regular routing number updates as part of their ACH origination practices.

Click Read More below for the complete Operations Bulletin from Nacha (ePayResources member login required).