for Financial Institutions
for Processors and Other Businesses

Already a member and need access to the Members-Only section of the website? Register under the Member Login.



In today’s quickly changing environment it can be very difficult to be an “expert” in every area. With UMACHA you have an expert electronic payments resource. Our staff of Accredited ACH Professionals (AAPs) has accumulated over 70 years of banking experience.

Remaining on the cutting edge of payments information, UMACHA is a member of NACHA and ECCHO, participating in several work groups and councils. We are also members of, or partners with, several bank and credit union associations and leagues.

We are committed to providing our members with the most up-to-date information available. Best of all, we are only a phone call away.


UMACHA sets the standard for education regarding electronic payments. We offer well-organized in-person workshops, interactive webinars, on-site training, and informative publications. UMACHA members receive discount pricing on most education and have access to occasional free member’s only opportunities.


Risk Mitigation

Risk management will always be a priority. UMACHA can assist you in your risk management program. We have the expertise to either perform or train you to perform your ACH Audit, Third-Party ACH Audit, ACH Risk Assessment and/or RDC Risk Assessment. The best way to mitigate risk is to have a well-trained staff. At UMACHA we continuously update our educational offerings to include the most up to date risk management requirements. We provide sample Risk Management policies to help financial institutions create and implement a strong risk management program for electronic payments.

Service Improvement

With the education available from UMACHA, your frontline staff can answer your customers’ inquiries, as well as offer appropriate solutions for your customers'/members' needs. Your operations staff can implement procedures to ensure efficient and correct processing to mitigate risk and decrease errors.

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Membership for Financial Institutions

As a financial institution you are challenged with a constantly changing environment. Consumers are asking companies for the option to receive payments and pay bills through the Automated Clearing House (ACH) Network. Your challenge is to keep up with these programs and the rapidly changing rules of electronic payments . . . so you can stay competitive. From automated bill payment, direct deposit and financial EDI to understanding payment systems fraud, you need to be in the know to serve your customers . . . and leverage your financial risks.

Financial Institution Membership Benefits


As a new or returning member of UMACHA, we want to provide you with the tools you will need to be successful. Your membership includes the following resources:

  • Excellent Customer Service that is just a phone call away
  • Complimentary Annual ACH Rules Book
  • Several handy “Quick Reference” resources, sent upon receipt of first year membership dues
  • Online access to free sample forms, agreements and policies through the “Members Only” area of the website
  • Discounted members-only pricing for compliance services, education and publications
  • Customized Training and Compliance Consulting Services available to only members of UMACHA


Just a phone call away, our staff of ACH Professionals (AAPs) has over 70 years of operations experience. We are committed to providing our members with the best, most up-to-date information available.


Empower your staff with well-organized, excellent quality in-person workshops, seminars, and interactive webinars offered only by UMACHA. Customized training is member-exclusive.


Ensure compliance by having UMACHA perform a thorough ACH Audit, ACH Risk Assessment, and/or RDC Risk Assessment and receive suggestions for improvement with every visit. Compliance consulting services are only provided to members of UMACHA.


With education from UMACHA, your frontline staff will be more effective in meeting your customers'/members' needs, while operations staff will be more efficient with correct processing and risk mitigation.


Members enjoy discounts on compliance services, education, events and publications, as well as complimentary webinars, sample documents, and several handy “Quick Reference” resources.


Electronic transactions cost significantly less to process than paper items, and the cost spread continues to increase. UMACHA is your partner to help implement cost saving electronic payments applications.

Financial Institutions - Join UMACHA Today!

Online Membership Application for Financial Institutions


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Membership for Processors & Other Businesses (Affiliate Membership)

Join businesses and financial institutions across the Upper Midwest that benefit from a UMACHA membership. With ACH, you can grow your company's payment systems, generate fee income, and reduce payment costs.  

Our Affiliate Members are typically companies who provide products and services to the financial services industry. An Affiliate Membership with UMACHA connects your company with financial institutions in the 9th Federal Reserve District, spanning from Montana to the Upper Peninsula of Michigan.

Are you interested in being an Affiliate member of UMACHA? Submit your membership application today. As a UMACHA Affiliate Member, you receive a number of benefits and may participate in many activities, education sessions, and events alongside our financial institution members and other affiliates. We like to think of you as our Corporate Partners.

For more information contact us at

Affiliate Member Benefits Include:

Exposure to over 700 financial institution member prospects for your services

Networking Opportunities through:

  • Education sessions
  • Annual ‘Navigating Payments’ Conference
  • Additional selected events

Complimentary Publications with paid membership dues which include:

  • NACHA Operating Rules & Guidelines – Corporate Edition (annually with dues payment)
  • Standard Entry Class (SEC) Code Cards (with first-time new paid membership)
  • ACH Quick Reference Guide (with first-time new paid membership)
  • ACH Quick Reference Cards (with first-time new paid membership)

ACH Questions answered by a knowledgeable, professional staff member

Discounted Exhibitor Fee at our annual Navigating Payments Conference

Your Company Information listed on the Corporate Partners directory of the UMACHA Website

Opportunity to be a “Featured Member” on the front page of the UMACHA website

Complimentary E-News notifications emailed to members

Access to “Members Only” portions of the UMACHA website

Member Discounts on Publications offered through UMACHA

Attend UMACHA education sessions at the member rate

Access to meeting space at the UMACHA office in Brooklyn Park, MN

A Voice in the national rule making process through focus groups

Free Subscription to the Electronic Payments Update semi-annual paper newsletter

Be informed . . . understand more about electronic payments and the ACH Network...

Affiliates - Join UMACHA today!

Online Membership Application for Processors and other Companies

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