---
title: NACHA 2021 FAQ
slug: svb/nacha-2021-faq
description: Have questions about NACHA 2021 and whether it applies to you? Read this article to learn more.
docTags: bSho0M8HRjDvZq9EBIWDy
createdAt: 2022-08-03T21:32:58.000Z
---

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**Do these NACHA 2021 Data Security Rules apply to me?**

Likely not! It is important to note that Phase 1 of this new ruling applies to ACH Originators and Third-Parties with more than 6 million ACH payments annually. Should you make more than 6 million payments annually, NACHA will not enforce this rule for an additional period of one year from the effective date with respect to covered entities that are working in good faith toward compliance, but that will require additional time to implement solutions. 

FISPAN is investigating potential workarounds with NetSuite to allow clients to proceed with enabling the NACHA data security changes in the future.
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**Is my Vendor’s Account information still secure when making payments through my bank's plugin?**

Yes! FISPAN utilizes a secure HTTPS connection protocol and completes 0Auth2 authentication with every request for data. This information is then sent from FISPAN to your bank via SSH File Transfer Protocol (SFTP).
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**I have already enabled NACHA Rules in NetSuite. What do I do now?**

If you’ve already enabled NACHA rules, you will likely experience an error message when trying to initiate ACH payments through the bank plugin. This is because enabling NACHA rules results in the encryption of your Vendor’s bank account information. Without the encryption key, it is unable to decrypt this information, thus resulting in account numbers appearing as a ciphertext. 

To work around this, we have created a separate bundle called** Entity Bank Details **(Bundle ID 323878) that allows you to store your vendor’s bank account information. Please let us know you have enabled NACHA Rules, and we can get you set up to begin using this bundle.
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