Financial institutions and corporate members across the Midwest choose UMACHA as a key resource to enhance their understanding of electronic payments. We're known for our extensive knowledge base, our high quality services, as well as our national presence in the payments industry.

We serve over 740 member banks, credit unions, affiliates, and partner organizations located in Minnesota, Michigan, Montana, North Dakota, South Dakota, and Wisconsin.

Our Vision
We will become the extraordinary and distinctive provider of knowledge and services for payment system stakeholders.

Our Mission
We are a best in class provider of payments services, demonstrating our knowledge, professionalism and passion through our quality and dedication to members and stakeholders.




Sara HentgesSara Hentges, AAP, APRP
Director of Compliance Services

What is Your Role at UMACHA?
My team and I get the opportunity to meet our members throughout our territory through compliance services and education. Whether it’s an ACH Audit, Third-Party Sender Audit, ACH Risk Assessment, or RDC Risk Assessment we always get to have interesting conversations with our members, and have learned over the years that each financial institution is unique. 

What are Three Words to Describe UMACHA?
Experts, Dedicated, and Warmhearted

What has Been Your Favorite Project at UMACHA? My favorite project at UMACHA has been creating a publication to fill the void that was left when the corporate edition of the Rules was discontinued. I love to write, and creating the Corporate User ACH Basics Electronic Guide was very fun for me.
Where Would You Like to go on a Dream Vacation? I would love to travel throughout Europe, but especially Spain and Italy. I enjoy a great bottle of Albariño or Barolo, and am a huge foodie. I also have an appreciation of art, history, and museums. My husband and I are huge nerds, and have a great time watching Rick Steves on PBS. We would definitely have a blast travelling around Europe!
You are Happiest When? I am happiest when I am at home watching a good movie with my husband and two cats.  I love a good documentary or horror film.

Are You Messy or Organized? I am a little bit of both.
Messy when I can be, and organized when I need to be.

Least Favorite Food? 
I am not a picky eater, but the one thing I absolutely don’t like is a sweet potato. I have never liked them, but do try them again every once in a while. Mashed sweet potatoes are the worst!