diff --git a/go.mod b/go.mod
index e20911f2..9ad9b546 100644
--- a/go.mod
+++ b/go.mod
@@ -8,12 +8,12 @@ require (
 	cloud.google.com/go/storage v1.47.0
 	github.com/gorilla/mux v1.8.1
 	github.com/markbates/pkger v0.17.1
-	github.com/moov-io/ach v1.43.0
+	github.com/moov-io/ach v1.44.0
 	github.com/moov-io/base v0.53.0
 	github.com/moov-io/cryptfs v0.8.0
 	github.com/stretchr/testify v1.10.0
 	gocloud.dev v0.40.0
-	golang.org/x/sync v0.9.0
+	golang.org/x/sync v0.10.0
 )
 
 require (
@@ -101,7 +101,7 @@ require (
 	golang.org/x/net v0.31.0 // indirect
 	golang.org/x/oauth2 v0.23.0 // indirect
 	golang.org/x/sys v0.27.0 // indirect
-	golang.org/x/text v0.20.0 // indirect
+	golang.org/x/text v0.21.0 // indirect
 	golang.org/x/time v0.7.0 // indirect
 	golang.org/x/xerrors v0.0.0-20240716161551-93cc26a95ae9 // indirect
 	google.golang.org/api v0.203.0 // indirect
diff --git a/go.sum b/go.sum
index f52b3c30..4b0799ad 100644
--- a/go.sum
+++ b/go.sum
@@ -251,6 +251,8 @@ github.com/moov-io/ach v1.42.1 h1:velIHZuDpozgoWnrDnM6Jihw/angaT7MvAzG0WzwaA4=
 github.com/moov-io/ach v1.42.1/go.mod h1:vzlalpBMimStZKLHN8X+zvbRLHSzztJxFR2JIcIGMb4=
 github.com/moov-io/ach v1.43.0 h1:XGHw7vrjZAI3oZDwJVKQJPniwWCRYl3J6WJMpjFa5NA=
 github.com/moov-io/ach v1.43.0/go.mod h1:vzlalpBMimStZKLHN8X+zvbRLHSzztJxFR2JIcIGMb4=
+github.com/moov-io/ach v1.44.0 h1:DYxy8Z6Sn4fM540RW1YSyDMhx7Whkp1di8nkMnZWkgo=
+github.com/moov-io/ach v1.44.0/go.mod h1:N+iRPwi4JGIzoJ6l3R9UHHw7F5yGrdPDX7eQDYO8xaE=
 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=
@@ -425,6 +427,8 @@ 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=
 golang.org/x/sync v0.9.0/go.mod h1:Czt+wKu1gCyEFDUtn0jG5QVvpJ6rzVqr5aXyt9drQfk=
+golang.org/x/sync v0.10.0 h1:3NQrjDixjgGwUOCaF8w2+VYHv0Ve/vGYSbdkTa98gmQ=
+golang.org/x/sync v0.10.0/go.mod h1:Czt+wKu1gCyEFDUtn0jG5QVvpJ6rzVqr5aXyt9drQfk=
 golang.org/x/sys v0.0.0-20180830151530-49385e6e1522/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20190412213103-97732733099d/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
@@ -473,6 +477,8 @@ golang.org/x/text v0.19.0 h1:kTxAhCbGbxhK0IwgSKiMO5awPoDQ0RpfiVYBfK860YM=
 golang.org/x/text v0.19.0/go.mod h1:BuEKDfySbSR4drPmRPG/7iBdf8hvFMuRexcpahXilzY=
 golang.org/x/text v0.20.0 h1:gK/Kv2otX8gz+wn7Rmb3vT96ZwuoxnQlY+HlJVj7Qug=
 golang.org/x/text v0.20.0/go.mod h1:D4IsuqiFMhST5bX19pQ9ikHC2GsaKyk/oF+pn3ducp4=
+golang.org/x/text v0.21.0 h1:zyQAAkrwaneQ066sspRyJaG9VNi/YJ1NfzcGB3hZ/qo=
+golang.org/x/text v0.21.0/go.mod h1:4IBbMaMmOPCJ8SecivzSH54+73PCFmPWxNTLm+vZkEQ=
 golang.org/x/time v0.5.0 h1:o7cqy6amK/52YcAKIPlM3a+Fpj35zvRj2TP+e1xFSfk=
 golang.org/x/time v0.5.0/go.mod h1:3BpzKBy/shNhVucY/MWOyx10tF3SFh9QdLuxbVysPQM=
 golang.org/x/time v0.6.0 h1:eTDhh4ZXt5Qf0augr54TN6suAUudPcawVZeIAPU7D4U=