2026 Nacha Rules Bulk Pre-Order

• What are the differences among the various versions of the Nacha Operating Rules & Guidelines?

  • Hard copy: a physical, spiral-bound, soft cover copy of the Nacha Operating Rules & Guidelines.

  • Online only: An interactive website which provides access to both the full Nacha Operating Rules and the Nacha Operating Guidelines, as well as any potential supplement details added mid-year. Divided into sections, this resource has been set up to allow for an easy and responsive viewing experience from a desktop computer, laptop or a mobile device with enhanced product features including:

    • Enhanced user interface

    • Intuitive navigation

    • Regularly updated content

    • New Frequently Asked Content Questions (FACQ) section

    • Organized access to Rules Supplements in real time

    • Refined Keyword/Phrase search

    • Copy options

      • NOTE: Subscription access ends on December 31 of the year of publication.

Please note: Nacha has discontinued offering a Digital Version of the Nacha Operating Rules & Guidelines.

• Does UMACHA host a Nacha Operating Rules & Guidelines bulk pre-order each year?

  • Yes.  A bulk pre-order for the Nacha Operating Rules & Guidelines is offered to Members annually, usually during the months of September & October.

• When is the deadline to submit an order form for the 2026 bulk pre-order?

  • All forms must be completed & submitted to UMACHA by Wednesday, October 22, 2025.  Orders must be fully completed & submitted using the order form linked on the button above.  Orders received after October 22nd will likely be subject to normal pricing & ineligible for the bulk price discount.

• What is the minimum quantity that must be purchased to receive the bulk pricing?

  • Members must purchase a minimum of five copies in a given version to be eligible for discounted pricing.

• May we mix and match versions to reach the minimum purchase quantity of five?

  • No.  For example, placing an order of two Hard Copy versions & three Online versions would not meet the minimum quantity threshold.  To receive bulk pricing, a minimum purchase quantity of five would need to be purchased for both the Hard Copy version & the Online version.

• If we have reached the minimum purchase quantity of five in one version, may we order less than five in a different version?

  • No.  Each version has its own minimum purchase quantity of five.

  • For example, a member who purchases five Hard Copy versions of the Nacha Operating Rules & Guidelines may not add on only two Online versions & still be eligible for bulk pricing.  The member would need to add three additional Online versions (for a total of five) in order to received bulk pricing on the purchase of both the Hard Copy & Online versions.

• May we participate in the bulk pre-order if we are not Members of UMACHA?

  • No.  The annual bulk pre-order is a benefit only provided to active UMACHA-member organizations.

• When determining how many versions of the Nacha Operating Rules & Guidelines to purchase, should we also include the complimentary version we receive each year as a Member of UMACHA?

  • No.  Order counts should not include the free version of the Nacha Operating Rules & Guidelines provided to UMACHA Members on an annual basis.

• When can we expect to receive the Nacha Operating Rules & Guidelines we ordered during the 2026 bulk pre-order?

  • Barring any technical issues, Nacha Rules requested during the 2026 bulk pre-order should be received in December 2025.

• When can we expect to receive our invoice related to the Nacha Operating Rules & Guidelines we requested during the 2026 bulk pre-order?

  • Invoices will be issued in January 2026.