Further reading for the curious: The official rules: https://www.firstmid.com/wp-content/uploads/2014/02/2013-Corporate-Rules-and-Guidelines.pdf https://www.fi

Further reading for the curious: The official rules: https://www.firstmid.com/wp-content/uploads/2014/02/2013-Corporate-Rules-and-Guidelines.pdf https://www.firstmid.com/wp-content/uploads/2014/02/2013-Cor... https://files.nc.gov/ncosc/documents/eCommerce/bank_of_america_nacha_file_specs.pdf https://files.nc.gov/ncosc/documents/eCommerce/bank_of_ameri... This is the cleanest implementation guide I've ever seen. Its a breeze compared to the former. Fraud issues: https://bankinnovation.net/allposts/focus/comp-reg/ach-is-a-sieve-of-fraud-that-needs-to-be-fixed/ https://bankinnovation.net/allposts/focus/comp-reg/ach-is-a-... A dev's take: https://security.stackexchange.com/questions/85046/what-protections-are-put-in-place-to-prevent-ach-scams https://security.stackexchange.com/questions/85046/what-prot... > Note that ACH was never designed to fullfil the task it's currently used for.