If you’ve been losing sleep over the new Nacha requirements that kicked in March 20, 2026, we’ve got some good news.
Corporate Central Credit Union just partnered with Advanced Fraud Solutions to bring ACH Fraud Scanning directly into Beastro—and it’s kind of a big deal.
Let’s back up for a second. Those new Nacha rules aren’t just suggestions—they’re requirements. Every ACH participant now needs to have risk-based fraud monitoring and beefed-up account validation in place. Plus, you need those standardized “PAYROLL” and “PURCHASE” descriptors for certain transactions. It’s all part of the industry’s push toward better fraud prevention and smarter risk management. Translation: more work for you, unless you’ve got the right tools.
That’s where this new service comes in. Corporate Central’s ACH Fraud Scanning runs on AFS’s TrueACH solution, which is basically like having a fraud-fighting sidekick built right into your workflow. It validates account status and ownership in real time, pulling from a massive consortium database that includes over 1,200 financial institutions and more than 50 core processors. Think of it as crowd-sourced intelligence for spotting the bad guys.
What This Thing Does
Here’s what you get with the ACH Fraud Scanning service:
- Instant checks on whether accounts exist and are in good standing
- Flags for return activity, NSF indicators, and stop payments—the usual troublemakers
- Verification that the person on the account is actually who they say they are
- Detection of weird transaction patterns that don’t pass the smell test
- Full support for both ODFI and RDFI workflows, because we don’t play favorites
But here’s the best part: it’s fully customizable. You can tweak scanning parameters based on file direction, SEC codes, transaction codes, and dollar amounts. Want automatic scanning? Done. Prefer to review files manually? You got it. You can even isolate suspicious transactions for a closer look without gumming up your entire operation.
Why This Matters
“Fraud threats continue to evolve, and regulatory expectations are increasing alongside them,” explains Heather Ristow, CCUE, SVP/Chief Experience Officer at Corporate Central. “By partnering with Advanced Fraud Solutions, we are equipping our members with the tools they need to meet Nacha’s new requirements with confidence while protecting their institutions and account holders.”
Jordan Bothwell, Chief Partnership Officer at Advanced Fraud Solutions, puts it even more plainly: “ACH fraud continues to evolve, and financial institutions need access to reliable, real-time data to make informed risk decisions. Our partnership with Corporate Central enables credit unions to leverage consortium-powered intelligence and account validation tools directly within their existing workflows.”
The bottom line? Compliance doesn’t have to be painful. With ACH Fraud Scanning built right into Beastro, member credit unions can check the regulatory boxes, protect their members, and actually sleep at night. And in 2026, that’s pretty much the trifecta.