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ACH Origination Resources

Manage ACH Origination with confidence. This page provides guides and sample authorization forms to help you securely process ACH transactions for consumers and businesses. These resources are provided by UMACHA and can be customized for your organization.

Guides

 

ACH – What You Need to Know
ACH Origination Guide
ACH Quick Reference Card

ACH Authorization Samples

 

Consumer Authorization Samples

Use these templates to create authorization forms for consumer transactions:

Business-to-Business Authorization Samples
Templates for corporate ACH transactions:

Notices

 

Annual ACH Notice: What’s Changing in 2026

Annual ACH Notice (PDF)

Each year, we communicate updates to NACHA rules that may impact ACH originators. In 2026, there are three key changes that require your attention.

Key changes to consumer debit authorizations:

  • If you debit consumers via ACH transactions (ACH Collections), you are required to obtain written authorization
  • Authorization forms must now include clear language regarding:
    • Payment frequency
    • Amount
    • Method of revocation

To help meet this requirement, you can access a sample authorization form below:

Additional NACHA rule changes:

For full details please review the annual notice:

Annual ACH Notice (PDF)

For full details please review the annual notice: