2026 NACHA operating rules changes impacting Sage 100

Each year, the National Automated Clearinghouse Association (NACHA) releases new rules or changes related to ACH services and/or the requirements related to ACH entries. In a recent release, two rule amendments were announced for next year with an effective date of March 20, 2026. Per NACHA, these changes come as “part of a larger Risk Management package intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after fraud has occurred.”

You can read more about the information released. If your company is currently producing ACH files for either Vendor or Payroll payments, you may need to make changes to your Sage 100 setup.

For those creating ACH files for manual upload via Direct Deposit for Payroll, the word “PAYROLL” will be required for the Company Entry Description. For those creating ACH files for payments made via Accounts Payable, the word “PURCHASE” will be required for the Company Entry Description.

If you would like to get a head start on reviewing/adjusting your setup and have the appropriate access in your Sage 100 system, please see the instructions below.

1. Access Accounts Payable > Setup > ACH Maintenance
2. Select the appropriate bank code and navigate to tab 2, Records
3. The field for Company Entry Description will be located on the bottom left of the screen

1. Access Payroll > Direct Deposit > Direct Deposit Maintenance
2. Select the appropriate bank code and navigate to tab 2, Records
3. The field for Company Entry Description will be located on the bottom left of the screen

Our team offers Sage customization and development services to enhance your Sage 100 system. If you are having any trouble or would like help reviewing the setup/making changes, please contact us.