BBB Business Review

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This business is not BBB accredited.

National Automated Clearing House Association

Phone: (703) 561-1100 View Additional Phone Numbers 13450 Sunrise Valley Drive, Suite #100, Herndon, VA 20171

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BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that affect the rating for National Automated Clearing House Association include:

  • Length of time business has been operating
  • No complaints filed with BBB

Customer Complaints Summary

0 complaints closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 0
Total Closed Complaints 0

Customer Reviews Summary Read customer reviews

0 Customer Reviews on National Automated Clearing House Association
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: August 03, 2008 Business started: 06/20/1974 in VA Business started locally: 06/20/1974 Business incorporated 06/20/1974 in DE
Type of Entity


Business Management
Ms. Janet O Estep, President-CEO Ms. Jane E Larimer, Executive VP /Chief Legal Counsel Ms. Gail Reed, Senior Director Finance/Administration
Contact Information
Principal: Ms. Janet O Estep, President-CEO
Customer Contact: Ms. Gail Reed, Senior Director Finance/Administration
Business Category

Business & Trade Organizations Associations

Alternate Business Names
NACHA, The Electronic Payments Organization
Additional Information

The company has provided the following statement:

Since February 2011, NACHA has been the victim of sustained and evolving “phishing attacks” in which consumers and businesses are receiving emails that appear to come from NACHA.  In fact, our organization did not send these emails nor do we have the individual’s email address.   The attacks are occurring with greater frequency and increased sophistication. These fraudulent emails typically make reference to an ACH or Direct Deposit transfer, payment, or transaction and contain a link or attachment that infects the computer with malicious code when clicked on by the email recipient. The contents of these fraudulent emails vary, with more recent examples including contact and other information that is available on our website to make them appear legitimate.   Perpetrators of cyber fraud of this nature collect email addresses from various sources on an ongoing basis and use them for the purpose of defrauding by impersonating legitimate organizations such as ours.   §  NACHA does not process nor otherwise touch the ACH transactions that flow via the ACH Network nor between financial institutions and their customers. §  NACHA does not send communications of any type to persons or organizations about individual ACH transactions that they originate or receive. Emails of this nature that purport to come from NACHA are fraudulent. §  NACHA is the industry trade association that manages the development, administration, and governance of the ACH Network, the backbone for the electronic movement of money and data. §  The ACH Network serves as a safe, secure, reliable network for direct consumer, business, and government payments, and annually facilitates billions of payments such as Direct Deposit and Direct Payment. §  These incidents are occurring with greater frequency and increased sophistication, and perpetrators are conducting similar phishing attacks in which they are sending fraudulent emails that claim to be from the Federal Reserve Bank, IRS, other federal agencies, as well as commercial financial institutions, other payment organizations, technology companies, and businesses.   NACHA is working with law enforcement and security experts to pursue the perpetrators. We have also established a Fraud & Phishing Resource Center that is accessible from the homepage of our website ( to inform consumers, businesses, and financial institutions of this matter, and to educate consumers and businesses on steps that they: (1) should take if they have received such an email, and (2) can take to protect themselves against phishing and other types of cyber fraud in general.


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.