Nacha’s Top 50 ACH Originators and Receivers of 2025 Now Available; Total ACH Payment Volume in 2025 Exceeded 42 Billion

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RESTON, Virginia, March 5, 2026 - The Nacha Top 50 rankings of financial institution originators and receivers of ACH payments for 2025 are now available.

Among originating financial institutions, the Top 50 handled ACH volume of 30.7 billion payments last year, up 4.7% from 2024. They accounted for 91.4% of the ACH Network's total commercial payments volume.

The Top 50 receiving institutions had ACH payment volume of 23 billion, an increase of 6.4% over 2024. These institutions accounted for 65.1% of total volume on the ACH Network, inclusive of payments received from the federal government.

"Financial institutions are the foundation of securely sending and receiving ACH payments on behalf of people and organizations," said Michael Herd, Nacha Executive Vice President, ACH Network Administration. "From Direct Deposits that make payday dependable, to bills and vendor payments that are made on time, to account transfers for savings and financial management, and hundreds of other uses, the ACH Network is at the heart of the U.S. payments system."

Nacha today also reported 6.9 billion "off-Network" ACH payments last year. Those are primarily "on-us" ACH payments for which the originating and receiving financial institution are the same, and therefore not submitted to an ACH Operator. Including these off-Network payments, total ACH payment volume for 2025 was 42.1 billion, up 4.6% over 2024.

Download a PDF of Nacha's 2025 Top 50 originating and receiving institutions.

About Nacha
Nacha governs the thriving ACH Network, the payment system that drives safe, smart, and fast Direct Deposits and Direct Payments with the capability to reach all U.S. bank and credit union accounts. There were 35.2 billion ACH Network payments made in 2025, valued at $93 trillion. Through problem-solving and consensus-building among diverse payment industry stakeholders, Nacha advances innovation and interoperability in the payments system. Nacha develops rules and standards, provides industry solutions, and delivers education, accreditation, and advisory services.