What We Do

Financial institutions and corporate members across the Midwest choose UMACHA as a key resource to enhance their understanding of electronic payments. We're known for our extensive knowledge base as well as our national representation in the payments industry.

Our Mission

To support our members and other stakeholders in payment system participation through education and training, marketing and operational support, information dissemination and consulting, with a particular emphasis on the ACH network.

High Standards of Education and Knowledge-Based Training

UMACHA publishes and distributes handbooks and training aids for its members. Many of these set the standard and are used by other ACH associations across the country. UMACHA supports the national Accredited ACH Professional (AAP) program and supports a number of test sites for its members. Working closely with the ACH Operators, especially the Ninth Federal Reserve Bank, local and national government agencies, Social Security and Financial Management Services, UMACHA helps ensure quality within our district and high customer service levels.

National Presence

UMACHA is a key national force. As a member of NACHA, the Electronic Payments Association, we represent our members on standing national committees and in working groups dealing with key ACH issues.

UMACHA also has representation on specific products or process-related industry groups through NACHA Councils. We have direct involvement with the Council for Electronic Billing and Payment, Internet Council, Electronic Check Council and the Corporate Payments Council.


Our History










January - The Upper Midwest Automated Clearing House is formed as a non-profit Regional Payments Association (RPA), establishing local ACH rules and formats for electronic payment transfers, paving the way for the first electronic payment.

Founding Board Members:


June - UMACHA joins with RPA's from California (CACHA), Georgia (GACHA), and the New England ACH Association (NEACH) to found the National Automated Clearing House Association (NACHA). NACHA's primary function is to write and maintain the rules for the ACH network, with input from the Federal Reserve and government regulators, member financial institutions, Regional Payments Associations, and other Network users.





Fred Laing, II, takes the reins of UMACHA

Prior to joining UMACHA, Mr. Laing was a Cash Management Officer and ACH Product Manager for Norwest Bank Minnesota. He holds a B.A. from Moorhead St. College in Economics.



UMACHA adds a Compliance Services Department

This new department allows UMACHA to add services assisting members with ACH Rules compliance, including on-site ACH Audits and Risk Assessments.