The 2026 National Automated Clearing House Association (Nacha) Operating Rule changes introduce strengthened fraud‑prevention requirements and new standards designed to enhance security and transparency across the ACH Network. These updates take effect in two phases. — March 20, 2026, and June 19,
The best protection against identity theft is to carefully protect your personal information. For example: Do not share personal information over the phone, through the mail, or over the internet unless you initiated the contact or know the company/person you
Use online banking alerts to frequently monitor account activity. Require dual authorization for ACH, bill pay or wire transactions. Avoid using automatic login features. Do not access online banking from public Wi-Fi or computers. Use Fraud Prevention Tools like Check
Business email compromise (BEC) is one of the most financially damaging online crimes. It exploits the fact that most of us rely on email to conduct both our personal and professional business. In a BEC scam—also known as email account compromise
Enforce strong password guidelines NIST, the National Institute of Standards and Technology, recommends the following guidelines if they work for your environment; long passphrases (15+ characters) over complex, short, and frequently changed ones are more secure. Use Dark Web monitoring
The U.S. Department of Treasury will no longer be minting pennies by the end of this year. Although pennies will no longer be produced, they will remain in circulation as legal tender. Digital payments remain unaffected by this and will
Effective July 14, 2025, all wire transfers will be transitioning to a new global standardized message format known as ISO 20022. This change affects how banks send and receive wire payment information and is designed to enhance security, improve the
By Todd Hovland, President & Cofounder Small businesses make up more than 99 percent of all businesses nationwide. Despite their crucial role in the economy, about 20 percent of them fail within their first year, and the average lifespan of
By Tim Viere, CEO & Cofounder When building a great team, there isn’t a tried and true manual. If there was, I wouldn’t be writing this. With over 40 years in the banking industry, I’ve learned a thing or two,
By Loretta Carlson, Senior Vice President & Treasury Management Officer Scammers are finding more creative and sophisticated ways to hack into online systems to steal money and sensitive information from businesses. Earlier this year, security researchers discovered that a database
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