diff --git a/go.mod b/go.mod
index 40380e7b..c4254d25 100644
--- a/go.mod
+++ b/go.mod
@@ -8,7 +8,7 @@ require (
 	github.com/evanphx/json-patch v5.9.0+incompatible
 	github.com/gorilla/mux v1.8.1
 	github.com/markbates/pkger v0.17.1
-	github.com/moov-io/ach v1.45.0
+	github.com/moov-io/ach v1.45.1
 	github.com/moov-io/base v0.53.0
 	github.com/stretchr/testify v1.10.0
 	go.opentelemetry.io/otel v1.33.0
@@ -62,7 +62,7 @@ require (
 	go.opentelemetry.io/proto/otlp v1.3.1 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
 	golang.org/x/exp v0.0.0-20240707233637-46b078467d37 // indirect
-	golang.org/x/net v0.32.0 // indirect
+	golang.org/x/net v0.33.0 // indirect
 	golang.org/x/sync v0.10.0 // indirect
 	golang.org/x/sys v0.28.0 // indirect
 	golang.org/x/text v0.21.0 // indirect
diff --git a/go.sum b/go.sum
index 1b35d4d3..f541aea3 100644
--- a/go.sum
+++ b/go.sum
@@ -82,6 +82,8 @@ github.com/moov-io/ach v1.44.2 h1:YFRK29X5Ec/vLfjOmaJUcqOSWXki3OeHUfYgu0PeRL8=
 github.com/moov-io/ach v1.44.2/go.mod h1:IESvX5IAwWhEhXQpyK7NGiECdAsALr0xYTIA/QDv/Ls=
 github.com/moov-io/ach v1.45.0 h1:BsUYCSy41Euq7Ed+EuWPkDwwtXwotRUcZ4XQX/NKpV4=
 github.com/moov-io/ach v1.45.0/go.mod h1:IESvX5IAwWhEhXQpyK7NGiECdAsALr0xYTIA/QDv/Ls=
+github.com/moov-io/ach v1.45.1 h1:ntf955jA66zqfjDri4j90a0deRAZTQYpua5SCZT2tXY=
+github.com/moov-io/ach v1.45.1/go.mod h1:dPwNj8epFyrbZf6ZCMzf6aVnJcdZ3+fxXcDysOcm6Y8=
 github.com/moov-io/base v0.51.1 h1:Dwv7QKluvtHKBIrRcA1t+Sc6hOFTvmswgP5pGMK198E=
 github.com/moov-io/base v0.51.1/go.mod h1:xTpQ584ny4VO9zNLmPn+rux6KRXtfQJgvphj4UfORJg=
 github.com/moov-io/base v0.53.0 h1:rpPWEbd/NTWApLzFq2AYbCZUlIv99OtvQcan7yArJVE=
@@ -225,6 +227,8 @@ golang.org/x/net v0.31.0 h1:68CPQngjLL0r2AlUKiSxtQFKvzRVbnzLwMUn5SzcLHo=
 golang.org/x/net v0.31.0/go.mod h1:P4fl1q7dY2hnZFxEk4pPSkDHF+QqjitcnDjUQyMM+pM=
 golang.org/x/net v0.32.0 h1:ZqPmj8Kzc+Y6e0+skZsuACbx+wzMgo5MQsJh9Qd6aYI=
 golang.org/x/net v0.32.0/go.mod h1:CwU0IoeOlnQQWJ6ioyFrfRuomB8GKF6KbYXZVyeXNfs=
+golang.org/x/net v0.33.0 h1:74SYHlV8BIgHIFC/LrYkOGIwL19eTYXQ5wc6TBuO36I=
+golang.org/x/net v0.33.0/go.mod h1:HXLR5J+9DxmrqMwG9qjGCxZ+zKXxBru04zlTvWlWuN4=
 golang.org/x/sync v0.8.0 h1:3NFvSEYkUoMifnESzZl15y791HH1qU2xm6eCJU5ZPXQ=
 golang.org/x/sync v0.8.0/go.mod h1:Czt+wKu1gCyEFDUtn0jG5QVvpJ6rzVqr5aXyt9drQfk=
 golang.org/x/sync v0.9.0 h1:fEo0HyrW1GIgZdpbhCRO0PkJajUS5H9IFUztCgEo2jQ=