TruCommunity Blog

As the world of electronic payments continues to evolve, TruBank is here to keep its ACH customer informed about changes to ACH rules. The upcoming updates will directly impact how your organization handles payment descriptions and manages fraud risk. Complying to updated ACH Rules helps protect against fraud risks, operational errors, and regulatory scrutiny.

What’s Changing in 2026?

1. Company Entry Description Requirements

Two key updates will standardize the way payment descriptions are used to improve transparency and consistency across ACH transactions. This makes it easier for all parties to understand the purpose of each payment.

• “PAYROLL” must be used in the Company Entry Description field for PPD credits related to wages and salaries.
• “PURCHASE” must be used for WEB debits related to e-commerce or online retail transactions.

2. New Fraud Monitoring Requirement

Regardless of the Standard Entry Class (SEC) code or payment type, fraud monitoring will be mandatory for all companies initiating ACH payments. This change emphasizes the growing importance of real-time monitoring and proactive fraud mitigation practices in electronic payments.

What Should You Do Now?

Corporate originators and third-party senders should begin preparing by:

• Reviewing and updating internal ACH policies and procedures
• Ensuring your payment systems can accommodate the new entry description requirements
• Implementing or enhancing fraud detection and monitoring tools
• Training relevant staff on upcoming changes and compliance expectations

These updates reflect the industry’s commitment to clarity and security in ACH transactions. By starting preparations now, your organization can ensure a smooth transition, remain compliant, and strengthen its fraud prevention efforts.

Click here to download the EPCOR ACH Rules Update