Reviewing flagged ACHs

Treasury Prime supports your bank’s NACHA fraud-monitoring obligations by flagging higher-value debit ACHs for review. This page covers what flagging is, how to configure your threshold, and how to review flagged ACHs in Console.

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What is a flagged ACH?

A flagged ACH is an originated debit ACH that Treasury Prime has identified for banker review based on a configurable dollar threshold. Flagging is part of Treasury Prime’s risk-based fraud-monitoring procedures under NACHA’s 2026 Rule amendments. Key things to know:

• Flagging is non-blocking. Flagged ACHs continue to process on their normal schedule. The flag exists so your bank’s risk team can review the transaction; it does not delay or stop the payment.
• Only originated debit ACHs are flagged. Credit ACHs, incoming ACHs (where the bank is the RDFI), and ACH returns are out of scope for this feature.
• Flagging happens at ACH creation time based on the threshold configured for the originating program or account.

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Configuring the threshold

Set the ACH Flag Review Threshold under Programs > Limits > ACH Limits. The threshold can be set at the program level (applies to all accounts on the program by default) or the account level (overrides the program-level value for that account).

About the $10,000 default: This value is based on Treasury Prime’s internal risk assessment of our overall ACH portfolio. NACHA’s rule requires each party to perform its own risk assessment; you should tune the threshold based on your bank’s risk appetite and the profile of each program.

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Reviewing flagged ACHs

1. In Console, navigate to Payments > ACH.
2. Select the Flagged ACH (Needs Review) tab. This tab shows originated debit ACHs that have been flagged and have not yet been reviewed.
3. The table includes the following columns:
   • Originator / Source — the program or originator that initiated the ACH
   • Amount — the transaction amount
   • Counterparty — the receiving counterparty
   • Updated — when the ACH was last updated
4. Click a row to open the ACH detail page.
5. In the Flagged ACH Details section, click the chevron next to the red Needs Review badge and select Mark Flagged ACH as Reviewed.
6. Confirm in the modal: “This will mark this flagged ACH as reviewed.” Click Yes, mark the ACH as reviewed.
7. The badge flips from red Needs Review to green Reviewed, a confirmation toast appears, and the Reviewed By and Reviewed At fields populate with your user and the current timestamp.

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The ACH detail page

The Flagged ACH Details section on the ACH detail page shows the ACH’s flagged status. The section includes:

• A status badge in the section header:
  • Needs Review (red) — the ACH is flagged but has not been reviewed
  • Reviewed (green) — the ACH has been reviewed
• Reviewed — Yes or No
• Reviewed By — the user who marked it reviewed, or N/A
• Reviewed At — the timestamp of review, or N/A

When the badge is Needs Review, a chevron next to it opens a dropdown with a Mark Flagged ACH as Reviewed action (see “Reviewing flagged ACHs” above). To revisit a previously reviewed flagged ACH, navigate to the ACH directly (via ACH ID search or from the Originated ACH tab); the green Reviewed badge and review details will be visible on the detail page.

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Best practices

• Assign clear ownership. Identify the banker(s) responsible for the daily flagged-ACH review queue.
• Establish a review cadence that meets your bank’s overall NACHA fraud-monitoring procedures (e.g., daily within business days of flagging).
• Document your procedures. Reviewers should follow a written procedure that describes what they’re checking and what triggers escalation. Treasury Prime’s flagging is one input into your bank’s broader fraud-monitoring program — not a replacement for it.
• Revisit your threshold quarterly as part of your risk assessment.

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