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 are an 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.



Andy Benhardus, AAP, APRP, NCP

What is Your Role at UMACHA?  Associate Director of Compliance Services

What are Three Words to Describe UMACHA? Knowledgeable, friendly, tacos

What has Been Your Favorite Project at UMACHA? Getting to go on-site to meet our members while doing audits
Where Would You Like to go on a Dream Vacation? Cooperstown, NY.
The site of the baseball hall of fame

You are Happiest When? When I am spending time with family and friends.  Another time is when the pandemic is over, I will love to have a day off of work at home by myself to just relax with nothing to do

Are You Messy or Organized? Both at times

Least Favorite Food? Mushrooms