7 Red Flags in a Vendor Bank-Change Request
The warning signs that a vendor's request to change bank details might be fraud, and the one move that catches all of them. For QuickBooks Online bookkeepers and AP teams.
Read the postBlog
Nacha Phase 2, ACH fraud, and vendor verification
Plain-English notes for bookkeepers and small CPA firms on the 2026 Nacha rules, vendor bank-change fraud, and the controls that hold up under review.
A Vendor Bank-Change Verification SOP for QuickBooks Firms
A step-by-step standard operating procedure for verifying vendor bank-account-change requests in a QuickBooks Online bookkeeping firm: the trigger, the out-of-band callback (with a script), what to record, and the approval gate.
Read the postVendor Impersonation Fraud: How It Happens and How to Stop It
How vendor impersonation (BEC) fraud plays out against QuickBooks Online bookkeepers, the patterns to recognize, and the one out-of-band control that stops most of it.
Read the postAn Internal-Controls Checklist for a Small Bookkeeping Firm
A practical internal-controls checklist for small bookkeeping firms running client AP in QuickBooks Online: separating duties, vendor-payment verification, access, and audit trails.
Read the postNacha Phase 2 Audit Trail: What Your Bookkeeper Needs to Keep
What a defensible record of a vendor bank-change control actually contains, why a QBO memo or screenshot is not enough, how long to retain it, and what an auditor, insurer, or bank asks for under Nacha Phase 2.
Read the postHow to Verify a Vendor Bank-Change Request in QuickBooks Online (2026)
A step-by-step guide for QBO bookkeepers: what to do in QuickBooks when a vendor says their bank changed, why you should not edit the vendor record until verified, how to verify out-of-band, what to record, and how to decide release or hold.
Read the postVendor Bank-Change Fraud: The Out-of-Band Callback Workflow (and the Audit Trail to Keep)
How to verify a vendor banking change in QuickBooks Online using an out-of-band callback, and what evidence to retain so the control holds up under Nacha Phase 2.
Read the postNacha Phase 2 (June 22, 2026): What Changes for QuickBooks Online Bill Pay Users
A plain-English guide to Nacha's 2024 fraud-monitoring rule, the Phase 2 threshold removal on June 22, 2026, and what a documented vendor bank-change control looks like for a small QuickBooks Online shop.
Read the post