No, nachas is not a feminine form of nachos. NACHA.org is the electronic payment system, a legit organization, and it does NOT send individual emails with subject lines like “Rejected ACH transaction.” Nacha.org spam has been around for a while; I encountered it today for the first time when Gmail flagged it. I looked at the email because I made an electronic payment earlier today and thought it might be related. The mail appears to be from NACHA.org but a link to a “transaction report” in a “self-extracting PDF file” inflamed my already-tingling spider sense. A Google search confirmed it to be malware-installing spam. It’s bad stuff.