Rules Publications

405 - 2017 NACHA Operating Rules & Guidelines

The 2017 NACHA Operating Rules and Guidelines is the premier source for information governing the exchange and settlement of transactions through the ACH Network. The NACHA Operating Rules provide the legal framework for the ACH Network in simple, clear and consistent language. The NACHA Operating Guidelines contain complete discussions of each ACH Network participant type and its role and obligations, as well as detailed overviews of the Standard Entry Class Codes. The 2017 NACHA Operating Rules and Guidelines has been fully updated to include new Rule amendments approved prior to the time of publication. The site is fully searchable by phrase and keyword, with additional “go to page” functionality. Users have the unlimited ability to bookmark and save searches. Limited copying and pasting functionality are also available. Access to the ACH Rules Online runs from December 31, 2016 through December 31, 2017.



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408 DA - 2017 NACHA Operating Rules & Guidelines - Corporate Edition Digital Access

Provides access to the digital Adobe-based format of 2017 NACHA Operating Rules & Guidelines - Corporate Edition -  on up to two devices – anywhere, anytime. Once redeemed using a provided access code, content is available with no internet connection required.
 
This product utilizes a third party App (Flux Player) to launch access to the Digital Rights Management (DRM) 2017 Rules content and works on numerous devices, including:

  • PC/Windows
  • Mac(OSX)
  • Android phones and tablets
  • Apple iOS (iPad, iPhone, iPod Touch)
  • Kindle and ChromeOS

Each purchase of the 2017 NACHA Operating Rules and Guidelines - Corporate Edition Digital Access product includes details for premium-level access to 2017 ACH Rules Online - Corporate Edition.



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405CD - 2017 NACHA Operating Rules & Guidelines CD

The 2017 NACHA Operating Rules and Guidelines is the premier source for information governing the exchange and settlement of transactions through the ACH Network. The NACHA Operating Rules provide the legal framework for the ACH Network in simple, clear and consistent language. The NACHA Operating Guidelines contain complete discussions of each ACH Network participant type and its role and obligations, as well as detailed overviews of the Standard Entry Class Codes. The 2017 NACHA Operating Rules and Guidelines has been fully updated to include new Rule amendments approved prior to the time of publication. The site is fully searchable by phrase and keyword, with additional “go to page” functionality. Users have the unlimited ability to bookmark and save searches. Limited copying and pasting functionality are also available. Access to the ACH Rules Online runs from December 31, 2016 through December 31, 2017.



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405 DA - 2017 NACHA Operating Rules & Guidelines Digital Access

The 2017 NACHA Operating Rules and Guidelines Digital Access provides access to the digital Adobe-based format of 2017 NACHA Operating Rules & Guidelines - on up to two devices - anywhere, anytime. Once redeemed using a provided access code, content is available with no internet connection required.

This product utilizes a third party App (Flux Player) to launch access to the Digital Rights Management (DRM) 2017 Rules content and works on numerous devices, including:

  • PC/Windows
  • Mac(OSX)
  • Android phones and tablets
  • Apple iOS (iPad, iPhone, iPod Touch)
  • Kindle and ChromeOS


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405OL - 2017 NACHA Operating Rules & Guidelines - Online Only Edition

The 2017 NACHA Operating Rules and Guidelines is the premier source for information governing the exchange and settlement of transactions through the ACH Network. The NACHA Operating Rules provide the legal framework for the ACH Network in simple, clear and consistent language. The NACHA Operating Guidelines contain complete discussions of each ACH Network participant type and its role and obligations, as well as detailed overviews of the Standard Entry Class Codes. The 2017 NACHA Operating Rules and Guidelines has been fully updated to include new Rule amendments approved prior to the time of publication. The site is fully searchable by phrase and keyword, with additional “go to page” functionality. Users have the unlimited ability to bookmark and save searches. Limited copying and pasting functionality are also available. Access to the ACH Rules Online runs from December 31, 2016 through December 31, 2017.



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408 - 2017 NACHA Operating Rules, the Corporate Edition

The 2017 NACHA Operating Rules and Guidelines – Corporate Edition is a must-have resource for corporate users of the ACH Network. The NACHA Operating Rules provide the legal framework for the ACH Network in simple, clear and consistent language. The NACHA Operating Guidelines – Corporate Edition contain excerpts from the NACHA Operating Guidelines that are important to corporations. Refer to the Guidelines for Originator roles and responsibilities within the ACH Network and an overview of Standard Entry Class Codes. In addition, the NACHA Operating Guidelines – Corporate Edition offers details on the legal framework of the Rules, Third-Parties, OFAC compliance and a brief history of the development of the ACH Network. The 2017 NACHA Operating Rules and Guidelines – Corporate Edition has been updated to include new Rule amendments approved prior to the time of publication. The site is fully searchable by phrase and keyword, with additional “go to page” functionality. Users have the unlimited ability to bookmark and save searches. Limited copying and pasting functionality are also available. Access to the ACH Rules Online runs from December 31, 2016 through December 31, 2017.



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408OL - 2017 NACHA Operating Rules, Corporate Edition, OnLine Only

The 2017 NACHA Operating Rules and Guidelines – Corporate Edition is a must-have resource for corporate users of the ACH Network. The NACHA Operating Rules provide the legal framework for the ACH Network in simple, clear and consistent language. The NACHA Operating Guidelines – Corporate Edition contain excerpts from the NACHA Operating Guidelines that are important to corporations. Refer to the Guidelines for Originator roles and responsibilities within the ACH Network and an overview of Standard Entry Class Codes. In addition, the NACHA Operating Guidelines – Corporate Edition offers details on the legal framework of the Rules, Third-Parties, OFAC compliance and a brief history of the development of the ACH Network. The 2017 NACHA Operating Rules and Guidelines – Corporate Edition has been updated to include new Rule amendments approved prior to the time of publication. The site is fully searchable by phrase and keyword, with additional “go to page” functionality. Users have the unlimited ability to bookmark and save searches. Limited copying and pasting functionality are also available.

ACH Rules Online, is the electronic version of the printed book or CD. The site is fully searchable by phrase and keyword, with additional “go to page” functionality. Users have the unlimited ability to bookmark and save searches. Limited copying and pasting functionality are also available.Access to the ACH Rules Online runs from December 31, 2016 through December 31, 2017.



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569 - A Bank's Quick Reference Guide to ACH Origination

A Bank’s Quick Reference Guide to ACH Origination is designed to assist banks in establishing and maintaining successful ACH origination operations. Written from a bank’s perspective, this easy-to-use Guide examines the risks of origination, explains preliminary requirements of origination and discusses the responsibilities of the ODFI. Specific ACH payment applications are addressed, allowing the user to concentrate on the transactions it plans to originate. Whether your bank is considering originating loan payments from another financial institution for its account holders, is considering offering Direct Deposit via ACH or seeks to offer a full suite of origination services for its business clients, this is a “must have” tool.



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562CD - ACH Agreements and Tools CD

This useful suite of easily customizable tools include standard ACH and Third-Party Sender agreements. The sample agreements include a shell ODFI/Originator ACH Agreement, ODFI/Third-Party Sender Agreement and separate agreements designed for specific ACH applications offered by the financial institution, including IAT. Helpful tools to assist in the origination process such as information sheets, transmittal registers, file control logs, calendars, processing schedules, checklists and sample authorizations are also included.



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537 - ACH Block/Filter Agreement

As financial institutions see an increase in fraud attempts on all payment types, ACH customers are looking to use anti-fraud services like ACH Blocks/Filters and ACH Positive Pay. These services help the customers to control and/or monitor ACH activity. This contains a customizable Microsoft Word document that includes critical forms and conditions between these parties.



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540 - ACH Corporate User Guide on CD

The ACH Corporate User Guide on CD is an excellent resource for companies/business ACH users. It is also an excellent resource for financial institutions. This guide on CD has been updated to include information for companies/business on the International ACH Entry (IAT). Developed to help companies establish and maintain a successful ACH origination program, this guide includes useful tools to assist a company or financial institution. What’s inside: corporate responsibilities; exception processing; specific application concerns for numbers applications; list of return reason codes and much more. 
For Windows XP, Vista and Mac. Adobe Acrobat Reader 7.0 required.



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ACH Network Data Security Self-Assessment

This workbook is designed to provide tools to ACH Network participants on how to achieve practical data security and to implement information management practices. This workbook encourages companies to enact measures that adequately protect sensitive ACH information that is stored, processed, or transmitted electronically. Smarter management of payment-related information will result in reduced organizational risk, maintenance of a positive image, enhanced customer confidence, and an improved bottom line.



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509 - ACH Origination Agreements

This agreement defines the responsibilities of Originators. This includes the ACH Origination Agreement, as well as attachments for Customer-Selected Standard Entry Class Codes; Processing Schedule; Security Procedures; ACH Processing Limits; ACH Originating Customer Information; Service Fees; Holiday Schedule; Sample ACH Transmittal; and Principal/Owner Guaranty.

This is now available as an electronic publication.



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560 - ACH Quick Reference Cards for Financial Institutions

A seven-card series including codes and timeframes for: ACH Returns, Dishonored and Contested Dishonored Returns, Notifications of Change (NOC), Special Exceptions (including Operator Rejects and Government Payments), Electronic Check Applications, IAT, WEB and TEL. These colorful and durable desktop reference cards provide fingertip access to critical information for proper handling of these ACH items. The cards also include helpful tips and commonly asked questions and answers regarding exception handling. Members overwhelmingly agree that this seven-card reference set is one of the most useful ACH resources available to them.



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561 - ACH Quick Reference Guide - Electronic Version

An everyday operational resource for ACH information, this easy- to-use guide is updated with the very latest information, including Rules compliance and the special handling of IAT entries. The guide provides RDFI responsibilities and obligations outlined in an easy-to- reference format. Return Reason Codes, Notification of Change Codes and an ACH Terms Glossary are included. Financial Institutions have found it to be a valuable education tool when training new operations employees.



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554 - Check/Image Flashcards

Need to brush up on your check knowledge? The Check/Image Flashcards are a hands-on, convenient study aide. Sections of study covered in this set of approximately 225 cards include a general overview; rules, laws and regulations; fraud and risk mitigation; operations; products; and standards and formats.



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592 - Corporate ACH User Quick Reference Cards

This tool, modeled after the popular ACH Quick Reference Cards for Financial Institutions, is specifically designed for Corporate ACH users. This three-card series gives Originators access to critical information for the correct handling of ACH Returns, Dishonored Returns, Standard Entry Class (SEC) codes, Transaction codes and Notifications of Change (NOC). This is an ideal tool to assist with Originator education and Rule compliance, which are responsibilities of the ODFI. These desktop reference cards provide ACH basics, including pre-notifications for the Originator along with the explanations for Return Reason codes, NOC codes, SEC codes, transaction codes and solutions for handling ACH exception entries.



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418 - Healthcare EFT Standard Implementation Guide NACHA CCD+ Addenda

The purpose of the Healthcare EFT Standard Implementation Guide is to provide the healthcare industry with information on payment processing between the Health Plan to the Provider and for implementing the healthcare EFT Standard for Stage 1 Payment Initiation, as defined by the Standards for Healthcare Electronic Funds Transfers (EFTs) and Remittance Advice.  Chapters cover:  The Healthcare EFT Standard at a glance; NACHA, the NACHA Operating Rules, and changes to support healthcare EFT payments; ACH Network fundamentals; ACH formatting requirements; healthcare EFT and ERA operating Rules; and Resources.



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481 - Same Day ACH - A Guide to Opportunities and Implementation

This publication explores developments made possible by the advent of Same Day ACH. The publication delves into new product and service opportunities afforded FIs with Same Day ACH, as well as detailing steps to implementation and preparedness on an operational front.



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665 - Standard Entry Class (SEC) Code Detail Cards

A complete 5-card set, includes ten SEC Codes: ARC, POP, BOC, RCK, WEB, TEL, PPD, CCD &CTX; PLUS IAT. These durable desktop reference cards contain the most up-to-date details pertaining to the specific rules unique to each SEC Code. The requirements and special rules, including return information is detailed on these cards which are invaluable to all ACH Participants. This ideal tool can assist financial institutions with Rule Compliance whether originating or receiving these types of ACH transactions, plus help aid in Originator education. These detail cards are a must for all financial institutions and originators alike.



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425G - Stop Payment Request Order - Electronic

This Electronic Stop Payment Request Order provides concise explanations on stop payment requests for single or recurring entries to consumer accounts; stop payment requests on paper items; and stop payment requests for entries to non-consumer accounts. This fillable PDF form contains all the necessary information your financial institution needs to easily comply with these requests.

Minimum system requirement - Adobe Reader.



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519 - Third Party Service Provider Agreement

Updated for Same-Day ACH! As Originators use Third-Party Service Providers for their ACH needs, the ODFI needs to ensure that all parties are informed of and accountable for their obligations under the rules, regulations, and laws governing ACH. This product is a comprehensive service agreement between ODFI, Originator, and Third-Party Service Provider in customizable Microsoft Word format.



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615 - Understanding Internet-Initiated ACH Debits & Credits – 3rd Edition

This recently updated publication reflects a changing ecommerce environment over the last several years, together with important changes to the WEB Rules – specifically, the Mobile ACH Payments Rule effective January 1, 2011 which incorporated ACH debits authorized and/or initiated via wireless networks into the pre-existing category of Internet-Initiated Entries (WEB), and the P2P Entries via ACH Rule, which allows the use of credit WEB Entries by Originators as of March 7, 2014, and requires the use of credit WEB Entries by March 20, 2015. Topics covered include; Authorization and Authentication; Originator Obligations; Risk Management; Electronic Bill Payment, and Person to Person Payments. 



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426G - Written Statement of Unauthorized Debit - Electronic

NEW - As an RDFI, you must have a completed Written Statement of Unauthorized Debit (WSUD) before returning a debit entry. The dated form has clear and concise information about what return reason code to use and is fully NACHA compliant. You have the capability to fill out the PDF form online or email it to your customer for them to complete and provide back to you.

Minimum system requirement - Adobe Reader.



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550 - Written Statement of Unauthorized Debit - English or Spanish

These convenient two-part carbonless forms are an essential tool for financial institution personnel when customers question ACH debit transactions posted to their accounts. Includes thorough descriptions of what constitutes a revocation of authorization, an unauthorized debit, or an improper debit (for BOC, RCK, ARC, and POP entries), along with prompts to operations staff as to the correct return reason codes to use. Also available in Spanish!  Pack of 50 forms.



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