Compliance Publications

ACH Origination Agreement (SFE)

Electronic Format

Electronic Publication: This sample agreement, in a Word document format, includes critical terms and conditions that should be addressed in a legal agreement between a financial institution and its originators. There are numerous blanks and fields that should be completed and appropriately formatted before using this Agreement. Please remember that all contracts and agreements should be reviewed and modified where necessary by your legal counsel to be consistent with the specific needs or operations of your institution.

This publication is formatted as a Word document.

Format: Word

ACH Risk Assessment Workbook

Electronic Format

Electronic Publication: Designed to assist Financial Institutions, both RDFIs and ODFIs, in addressing ACH risk, this workbook covers risk obligations as defined in OCC Bulletin 2006- 39, ACH Risk Management Guidance, the FFIEC Retail Payment Systems IT Examination Handbook and current ACH Rules. Chapters include System and Controls, Credit Risk, High-Risk Activities, Compliance Risk, Third-Party Service Providers, Fraud Risk, Operational and Transaction Risk, and Information Technology Risk. Recent updates address data security, personnel practices, physical security, operational controls, credit risk related to Originator due diligence and Business Continuity planning and testing. By completing user-friendly worksheets, this workbook will identify strengths and weaknesses in your existing ACH risk management program and assist with the development of a comprehensive risk management program. Compliance officers, audit personnel and operations staff will find this to be a valuable tool. 

Third-Party Sender ACH Risk Assessment Workbook

Electronic Format

Electronic Publication: The Third-Party Sender ACH Risk Assessment Workbook is designed to assist Third-Party Senders of all types in addressing their ACH risk. Content of the Workbook includes risk obligations as defined in the OCC Bulletin 2006-39, ACH Risk Management Guidance, the FFIEC Retail Payments Systems' IT Examination Handbook, FFIEC Guidance to Internet Banking and the current Nacha Rules. By answering yes, no, or not applicable, this Workbook will identify strengths and weaknesses in your existing ACH risk management program. Individual chapters address System and Controls, Credit Risk, Compliance Risk, High-Risk Activities, Third-Party Service Provider Risk, Operational & Transaction Risk and Information Technology Risk. EPCOR’s Third-Party Sender ACH Risk Assessment Workbook guides you in evaluating the Third-Party Sender’s risks by asking thought-provoking questions about its current ACH policies, procedures and processes. The 2025 Third-Party Sender ACH Risk Assessment Workbook has been updated for the 2025 Nacha Rules User-friendly worksheet questions are easily answered and include room for comments, to assist in developing a comprehensive ACH risk management program for your company. Compliance officers, audit personnel and operations staff within your organization will find the Workbook a valuable tool. 

Note: This product is intended for One-Time Use Only by Third-Party Senders. This publication is copyrighted and the purchase is good for one use. All digital purchases are final.

ACH Compliance Manual - 11th Edition - Various Formats

Various Formats

Hardcopy: An essential tool to ensure compliance with the Nacha Operating Rules & Guidelines, the 11^th edition offers crisp insights into authorizations, processing, and more from Nacha’s subject matter experts. Stay current with recent Rule changes on Micro-Entries and Third-Party Sender shifts and authorization updates. Whether you’re new to the payments industry or a seasoned professional, this offering simplifies complexities, provides insightful compliance tips, and includes a glossary and references to other valuable resources. 

via App(E-book): This Adobe-based product requires a third-party app called Flux Player to allow the content to be redeemed, downloaded to, and accessed only within the app. The content is read-only, E-book display is identical to the hard copy book. Once a Flux Player account app has been created and the content is redeemed within the Flux Player app, the content can be accessed on up to two devices using the same app account. Works on PC/Windows, Mac (OSX), Android phones and tablets, Apple IOS, and Kindle.

Note: If your organization requires special permission to download and/or install programs, please contact your IT department for assistance before purchase.

Note: All digital purchases are final.

ACH Policies & Procedures Manual

Electronic Format

Electronic Publication: This manual serves as a comprehensive resource to help financial institutions develop clear, well-structured policies and procedures for participating in the ACH Network. It provides guidance to ensure compliance with industry regulations, enhance operational efficiency, and support risk management practices.

This guide contains the following attachments:

• ACH Policies & Procedures Manual
• Glossary of ACH-Related Terms
• Sample Written Statement of Unauthorized Debit (WSUD) Form
• How to Report an Alleged ACH Rules Violation with Nacha
• Sample Stop Payment Order Form
• ACH Security Framework Guidance & Checklists
• Sample ACH Policy

Format: Electronic

RiskPro (Online)

Electronic Format

Electronic Publication:RiskPro™ is a self-paced, computer-based training program developed to increase your knowledge of payments risk. RiskPro has been developed to promote knowledge of the risk payments systems pose to the industry. RiskPro was designed to make learning fun.

Why Should You Purchase RiskPro™?
Updated annually to reflect the latest changes in the payments landscape and the risks they pose, the program is valuable for payments professionals, risk professionals, and new employees alike. Challenge yourself and test your knowledge using RiskPro's™ game and scorekeeping features or use it to train others.

RiskPro™ Challenges your knowledge in two ways: Game Mode & Test Mode

RiskPro™ Game Mode is a fun, interactive program, which tests your skills in six competency areas:
• Payments Risk
• Fundamentals of Risk Management
• Risk Policy and Governance
• Risk Management and Controls
• Physical and Information Security
• Regulatory Environment

Organized around the game board, you can play the practice game-winning game money and get coached along the way with feedback on your answers.

In the RiskPro™ Test Mode timed test, you will complete all the questions and receive a score rating your performance in each category. The test is all multiple-choice, and you will complete a "blacken the dot" form as you answer questions, just like in a real standardized test situation.

So whether you are looking to brush up on your payment systems skills or start a foundation that you can build upon, RiskPro™ is an essential tool for your professional development.

User Access opens in early April and closes December 31, 2025. 

Registration closes on August 30, 2025.

AgreementsNow! Remote Deposit Capture Agreement

Electronic Format

Electronic Publication:  Updated to include expanded security language! A strong legal agreement is as critical to your RDC success as any other component of this popular service. This is a customizable Microsoft Word document that addresses the core terms and conditions between FI and the customer. The agreement covers RDC using Check 21 capabilities, and when combined with our ACH Origination Agreement, covers the use of RDC with the ACH Network.

This publication is formatted as a Word document.

Format: Word

AgreementsNow! Third-Party Service Provider Agreement

Electronic Format

Electronic Publication:  As originators look to use third-party service providers for their ACH needs, the ODFI needs to ensure that all parties are informed and accountable for their obligations under the rules, regulations, and laws governing ACH. This product is designed to provide a comprehensive service agreement between ODFI, the originator, and the third-party service provider. The electronic document contains a customizable Microsoft Word document that includes critical terms and conditions between these parties.

This publication is formatted as a Word document.

Format: Word

ODFI Risk Management Guide

Electronic Format

Electronic Publication: The purpose of this guide is to provide an easy to comprehend understanding of the risks of the ODFI (Originating Depository Financial Institution). It is designed to assist users with identifying and mitigating ODFI risk when operating in the ACH environment.

This guide contains the following attachments:

• 20-page ODFI Risk Management Guide
• ODFI Risk Management Checklist
• ACH Origination Approval Form
• ACH Exposure Limit Change Request Form
• ACH Originator Signature Agreement
• Company ACH Transmittal Letter
• ACH Origination Activity Review Form
• ACH File Confirmation Form
• ACH Security Framework Guidance and Checklists

Format: PDF/Word

Stop Payment Fillable PDF Form

Electronic Format

Electronic Publication:  Our comprehensive and convenient Stop Payment Request Form 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.

ePay's fillable PDF Stop Pay form can be completed online or emailed to the accountholder for them to fill out and send back to you. Includes a detailed companion document to facilitate your compliant handling of stop payment requests.

Written Statement Fillable PDF Form

Electronic Format

Electronic Publication: The most thorough and convenient WSUD there is! RDFIs are required to obtain a completed Written Statement of Unauthorized Debit (WSUD) from a Receiver before returning a debit entry because it was unauthorized; the authorization was revoked; the item was not initiated in accordance with the terms of the authorization; or the item was improperly initiated according to requirements of the Nacha Operating Rules.

ePay's fillable PDF WSUD form contains clear and concise descriptions about why the item is being returned and what return reason code to use in each situation. The form can be completed online or emailed to the Receiver for them to fill out and send back to you. Includes a detailed companion document to ensure you are compliant for all R05, R07, R10, R11, R37, R51, and R53 returns.