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This Rule defines and standardizes practices and formatting of Micro-Entries, which are used by some ACH Originators as a method of account validation. 

Implementation of the rule is to improve the effectiveness of Micro-Entries as a means of account validation; to better enable Financial Institutions and other parties to identify and monitor Micro-Entries; to improve ACH Network quality.


 A Micro-Entry defined as “a credit or debit Entry used by an Originator for the purpose of verifying a Receiver’s account or an individual’s access to an account.” 

  • A credit Micro-Entry must be in the amount of less than $1.00 
  • One or more debit Micro-Entries must not exceed, in total, the amount of the corresponding credit Micro-Entries

This definition accommodates the existing practice of offsetting the amounts of credit Micro-Entries with one or more debits, which nets the total verification practice to $0; and permits a debit offset to be greater than $1.00 only to offset the amounts of credit Micro-Entries.  


Effective in two phases, though Nacha encourages all ACH Network participants to make use of the new provisions as soon as possible.

Phase 1 Effective Sept. 16, 2022 

>>Originators must use commercially reasonable fraud detection. 


• Ensure the header field includes ACCTVERIFY 

• Include both debit and credit entries at the same time 

• Monitor forward and return micro-entry volumes 

• Ensure the Company Name is readily recognizable to the Receiver, and be the same or similar to the Company Name that will be used in future Entries  

Phase 2 Effective March 17, 2023 

>>Originators must use commercially reasonable fraud detection. 


• Monitor forward and return Micro-Entry volumes. Monitoring forward and return volumes, at a minimum, establishes a baseline of normal activity.

Important: Forte does not offer micro-entry as a means of account validation. Forte will facilitate settlement of micro deposits initiated by merchants seeking to validate authenticity of the account. If originator plans to use micro-entry as a means of validation, the originator must meet the Nacha Micro-Entry requirements.  

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