Business payment safety

ACH Payment Safety: Verify Instructions Before Sending

Automated Clearing House (ACH) payments can support routine business transactions. A change to payment instructions can also be exploited by criminals, so verify account details before initiating or updating a payment.

Use independent verification

Confirm new or changed payment instructions using a known phone number or established contact.
Do not rely on a reply to the same email that requested the change.
Limit access to payment setup and approval tools to people who need it.
Use a second review for unusual or high-value payment changes.

Protect account information

Keep login credentials private and use available multi-factor authentication. Review payment confirmations and account activity, and reconcile transactions regularly so unexpected activity is noticed promptly.

Respond quickly to mistakes

If a payment was sent using incorrect or suspicious instructions, contact your financial institution immediately through a trusted channel. The available options depend on timing and payment details, so act as soon as possible.

Learn about Noven CreditUnion’s ACH service information and confirm current features and terms with the bank.