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NACHA – National Automated Clearing House Association

Online payment

The National Automated Clearing House Association (NACHA) administers and facilitates operating rules for Automated Clearinghouse (ACH) payments, which define the roles and responsibilities of ACH network participants.

ACH payments account validation

As part of the NACHA rules, originating an ACH payment via web debit entries must complete an account validation process to reduce risk of fraudulent transactions. This will apply to first-time payments with EFT and all one-time payments.

This mandate requires that the ACH originator, the one originating the transaction, must complete an account validation process to reduce the risk of fraudulent transactions. This is to be done the first time an account is saved for recurring payments or changes to existing saved accounts and first-time payments.

Who it applies to:

  • Members and employer groups signing up for electronic fund transfer (EFT)
  • Members and employer groups making one-time payments

Effective date: All ACH participants must comply by March 19, 2022.

Action required: Members and employer groups who need to sign up for EFT will need to sign up through the online portal, call into customer contact center (CCC) and send electronic funds transfer (EFT) form.

As of March 1, if Blue Cross Blue Shield of North Dakota (BCBSND) receives an “old” EFT form, it will not be accepted.

To ensure that you have the most current and up-to-date EFT Form, please find them here:

Employers are also able to access the new EFT form on the Employer Portal