CHG0123940 – TINS System Change
Modify Direct Deposit to Use New AVS Bank Validation 
Effective Aug. 17, 2026

Introduction

TINS CHG0123940 for the Texas Identification Number System (TINS) integrated J.P. Morgan Chase Bank’s account validation service (AVS) or account confidence score (ACS) for automated clearing house (ACH) fraud monitoring.

Issue

Nacha implemented new risk management rules that require payment processors to strengthen fraud monitoring for their ACH transactions. The new rules required TINS enhancement to comply with Nacha requirements.

Solution

CHG0123940 integrates J.P. Morgan Bank’s AVS for ACH fraud monitoring. This ensures seamless connectivity with our systems to detect and analyze all transactions efficiently while maintaining compliance with Nacha’s 2026 rules. See TexPayment Resource – Payee Maintenance History and Prenotification Period, Account Validation Service and Account Confidence Score for more information.