The 2019 NACHA Operating Rules & 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 overview of the Standard Entry Class Codes.
The NACHA Operating Rules & Guidelines in Print is an essential component of every ACH Network participant’s library, as a valuable hard copy reference and a must for important and required contingency planning purposes. Purchase the Rules in Print product with other available formats (recommended, Online Resource and Digital Access) to provide additional means of convenient online and mobile access to the NACHA Operating Rules & Guidelines.
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This fully searchable, portable, Adobe-based product provides convenient, read-only access, with no available print function, to the digital 2019 NACHA Operating Rules & Guidelines — on up to two devices.
Please Note: All digital purchases are final.
This product utilizes a third-party App (Flux Player) to launch mobile access to the digital 2019 Rules content. Once the App (Flux Player) downloaded to your device and the purchased access code is redeemed, content is available with no further internet connection required. This Digital Access product provides electronic access to the Rules content, without requiring a physical disc and works on numerous operating systems and devices, including:
• Android phones and tablets Apple
• iOS (iPad, iPhone, iPod Touch)
This new online interactive NACHA Rules resource contains the NACHA Operating Rules & Guidelines Premium Editions. Each version is a full HTML tool that has been divided into sections for easy browsing and searching of the content. This new resource has been set up to take advantage of the HTML, allowing for an easy and responsive viewing experience from a desktop computer, laptop or a mobile device with newly enhanced product features:
• Keyword/Phrase Search
• Copy and printing options
• Archive access
Subscription access to the 2019 NACHA Operating Rules Online runs from December 31, 2018 through December 31, 2019.
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.
Includes Same Day ACH debit and credit addendum. This useful suite of easily
customizable tools include standard ODFI/ Originator and Third-Party Sender agreements. Sample agreements include an ODFI/Originator ACH agreement, and ODFI/Third-Party Sender ACH agreement and SEC code specific agreement addendum. Sample authorizations, transmittal registers, file control logs, calendars and more are also included.
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.
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.
Ensure your financial institution has the appropriate ACH policies in place to set a strategic direction for ACH services and limit liability. Use the sample language provided with this tool to customize your ACH program policy including an ACH risk management program, outlining board/senior management responsibilities and documenting general RDFI/ODFI obligations. These policies should be part of your overall organizational strategy.
Updated for Same Day ACH! This product, in Microsoft Word, provides a modifiable and NACHA-compliant template for defining the responsibilities of Originators. In addition to the agreement, your purchase includes sample Direct Deposit and Direct Payment Authorization Forms; Sample Transmittal Schedule; Federal Reserve Bank Holiday Schedule; and a Principal/Owner Guaranty.
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.
An operational resource for basic ACH information in an easy to use format. This publication includes RDFI responsibilities related to ACH Rules compliance obligations, a glossary of ACH terms and easy to understand information on handling exceptions. This publication is a great educational resource for training new operations employees.
Need to brush up on your check/image knowledge? These flash cards are a convenient study aid consisting of over 225 cards covering general check information, rules/regulation/law, fraud and risk mitigation, products, standards and operational issues.
This three-card series is specifically designed for the corporate ACH user. This tool gives
Originators finger tip access to critical information for correctly handling ACH returns,
dishonored/contested returns NOCs and more. A ideal resource for an ODFI to utilize to ensure your Originators are educated on their ACH compliance responsibilities.
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.
Purchase your own set of Tabs for the NACHA Rules Book. Tabs provide quick reference when handling the most common ACH issues such as unauthorized returns, return deadlines, obligation of the RDFI to post ACH items, notifications of change, obligations of the ODFI, funds availability and more.
Members receive one complimentary copy of the Rules Book. Tabs are sold separately.
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.
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.
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.
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.
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.
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.