> ## Documentation Index
> Fetch the complete documentation index at: https://docs.treasuryprime.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 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.

#### 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](https://www.nacha.org/rules/risk-management-topics-fraud-monitoring-phase-2).

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.

#### 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).

| Setting                                    | Behavior                                                 |
| :----------------------------------------- | :------------------------------------------------------- |
| No threshold set (anywhere)                | Platform default of **\$10,000** applies                 |
| Program threshold set, no account override | Program threshold applies to all accounts on the program |
| Threshold set to `0`                       | All originated debit ACHs are flagged                    |

> **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.

#### 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.

#### 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.

#### 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 N 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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