Treasury Management Announcements and Resources
The latest Treasury Management news and developments are detailed below. If you have questions about any of these topics, please contact our Treasury Management Support team at 877-856-7933, or treasurymanagement@bannerbank.com (7 a.m. to 6 p.m. PT weekdays).
Resources and Guides
Account Analysis Statement Guide
Business Mobile Remote Deposit Guide
Announcements
Fraud Trends and Prevention
Fraud schemes and attacks represent a serious threat to your business and your customers. Fraud volumes continue to grow year-over-year, and electronic methods of generating payments are increasingly targeted. Scams such as fake invoices, business or government impersonation, tech support, and fake checks continue to grow, and perpetrators continue to target businesses. The Federal Trade Commission (FTC) has a resource page for small businesses with details on these scams and tools that your staff and customers can use to help protect themselves. 2026 ACH Rule Amendments Summary and General Origination Information
The 2026 changes to the Nacha Operating Rules (“the Rules”), summarized below, are intended to enhance risk management within the Automated Clearing House (ACH) Network for all parties. This summary details the impact these rule changes may have on the most common types of corporate origination services but does not address all ACH Rule requirements and is not intended to replace the detailed analysis needed to determine the impact these changes may have on your specific organization.
Origination Fraud Monitoring
Phase 1 – Effective March 20, 2026, for ODFIs, Originators, Third-Party Service Providers, and Third-Party Senders with ACH volume greater than 6 million in 2023Phase 2 – Effective June 19, 2026, for all ODFIs, Originators, Third-Party Services Providers and Third-Party Senders
Summary: This rule requires all parties on the origination side of entries to have risk-based processes to identify fraudulently originated ACH entries.
Details: This new rule includes requirements for all entries with the goal of detecting and preventing fraud from scams such as business email compromise and fake invoices.
Impact: Originators may already have processes such as anomaly detection or other “flags” that detect and prevent fraudulent entries. Each organization needs to review its processes and procedures to determine whether it needs updates to meet the new requirements.
Company Entry Descriptions
Effective March 20, 2026Summary: The Rules require specific company entry descriptions for payroll entries and online purchases of goods.
Details: Originators are required to use the description “PAYROLL” for PPD credits to pay wages, salaries and other compensation. Originators are required to use the description “PURCHASE” for e-commerce purchases, which will be defined as “a debit Entry authorized by a consumer Receiver for the online purchase of goods.”
Originator and Third-Party Sender Impact: Originators need to review the company entry descriptions they use in ACH files and ensure they update these descriptions as required by the Rules. These standardized descriptions will help improve processes to monitor entries for potential fraud.
Fraud Monitoring Prevention
Each non-Consumer Originator, each Third-Party Sender (TPS), and each Third-Party Service Provider (TPSP) that performs functions on behalf of an Originator, TPS or ODFI must:
- Establish and implement risk-based processes and procedures, relevant to the role it plays in the authorization or Transmission of Entries, that are reasonably intended to identify Entries that are suspected of being unauthorized or authorized under False Pretenses; and
- At least annually, review these processes and procedures and make appropriate updates to address evolving risks
Note: This rule became effective on March 20, 2026, for non-Consumer Originators, Third-Party Senders, and Third-Party Service Providers with annual origination volume of 6 million or more in 2023. It will apply to all non-consumer Originators, Third-Party Senders, and Third-Party Service Providers on June 20, 2026.
