diff --git a/go.mod b/go.mod
index 2b19b3f4..3e9ce118 100644
--- a/go.mod
+++ b/go.mod
@@ -8,7 +8,7 @@ require (
 	cloud.google.com/go/storage v1.42.0
 	github.com/gorilla/mux v1.8.1
 	github.com/markbates/pkger v0.17.1
-	github.com/moov-io/ach v1.39.2
+	github.com/moov-io/ach v1.40.3
 	github.com/moov-io/base v0.49.4
 	github.com/moov-io/cryptfs v0.7.2
 	github.com/stretchr/testify v1.9.0
diff --git a/go.sum b/go.sum
index d68a8c97..5d6c1fe8 100644
--- a/go.sum
+++ b/go.sum
@@ -254,6 +254,8 @@ github.com/moov-io/ach v1.38.1 h1:lWHlFou7fLtwe0mfpvmNVwa+2cmC4BS0IkXItYEJF2s=
 github.com/moov-io/ach v1.38.1/go.mod h1:wxxO7Ae2ThRBOmVJzV0kD2nCF3N/cxHI3SU0M5j1SC0=
 github.com/moov-io/ach v1.39.2 h1:u8cggsM7SK+TZl4OF4vg2IkpnxyrkuNfiFXwbaiD9wI=
 github.com/moov-io/ach v1.39.2/go.mod h1:4bP8qy3HUOUrMBkYqV8tEWgPdxaT0nD4p6YpvchwOIc=
+github.com/moov-io/ach v1.40.3 h1:bMF6GyFEcnG5udKw9A7B2RRSCBWdMPdPca9ehFtVyQ4=
+github.com/moov-io/ach v1.40.3/go.mod h1:L3zJQibXz1Fl2sQvcHVCxsXQoDQZvhwWx5CMgOQZP/M=
 github.com/moov-io/base v0.48.5 h1:QaTyTo6eFFFV35R9l/GdePQN40IJti9knD5hqdWPnnM=
 github.com/moov-io/base v0.48.5/go.mod h1:D5ZV9COV/qtCjTQuYpq7gGInCk64AhOQI6UY4kt4Rq8=
 github.com/moov-io/base v0.49.1 h1:qoIqWimWBTD4duREAu0GDv+euZt4Wczd0OI/n6V6psA=