ACH Resources

562 - ACH Agreements and Tools

Electronic Version

Streamline your ACH Originator onboarding and ongoing processes with this handy toolkit. Includes user-friendly documents that can be customized to fit the processing arrangement with each Originator. 

Includes: Sample ODFI/Originator Agreement; Sample Third-Party Sender Agreement; Sample Same Day ACH Agreement; Sample ACH Authorizations; Sample Origination Schedules; File Transmission Calendar; ACH File Control Log. 

This publication is formatted as a PDF document. Users must have access to Adobe Reader.



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310 - ACH Origination Agreement

Electronic Version

Revised for 2022

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 their 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.



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315 - ACH Origination Third-Party Sender Agreement

Electronic Version

Revised for 2022

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 a Third-Party Sender. 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.



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Third-Party Sender Bundle - 2021

Are you an institution looking to take on Third-Party Sender relationships? Are you a Third-Party Sender that is trying to formalize your ACH documentation? This Third-Party Sender Bundle includes a Third-Party Sender/Originator Agreement, sample client list to provide to your ODFI (or to request from your Third-Party Senders), sample Originator Application, Originator Assessment and Annual Review, an ACH Third-Party Sender Audit and Risk Assessment, among others.

 



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560 - ACH Quick Reference Cards for Financial Institutions

Electronic Version

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. These cards have been updated to include information about the updates to the R11 Return Reason Code for Questionable Entries.
 

 



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561 - ACH Quick Reference Guide

Electronic Version

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.



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592 - Corporate ACH User Quick Reference Cards

Electronic Version

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 fingertip 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 is a responsibility of the ODFI. These colorful and durable desktop reference cards provide ACH basics, including prenotifications, for the Originator along with the explanations for Return Reason codes, NOC codes, SEC codes, transaction codes and solutions for handling ACH exception entries. These quick reference cards are a great way to provide Originators tools now that the ACH Rules - Corporate Edition has been retired.
 
 
 
 

 



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532 - Quick Reference Cards for Exception Handling

Updated for 2021, these Quick Reference Cards for Exception Handling provide easy reference to a range of Nacha Rules and other regulatory requirements, including:

  • Timeframes
  • Returns, Dishonored Returns, and Corrected/Contested Dishonored Returns
  • Error Resolution and Stop Payments
  • Government Returns
  • Notification of Change (NOC) and Refused NOC
  • ACH Operator and Gateway Returns
  • Returned Check (RCK) Entry Returns
  • Corporate Entry Returns
  • Transaction Codes, Record Retention, and Glossary
  • How to complete a Written Statement of Unauthorized Debit form


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630 - ACH Audit Guide for Third-Party Service Providers & Third-Party Senders

Electronic Version

The ACH Audit Guide for Third-Party Service Providers and Third-Party Senders is a publication designed to assist the third-party in completing an annual ACH audit as required by the Nacha Operating Rules. This is a working document that will walk you through the steps of completing an ACH Rules Compliance Audit along with reviewing sound business practices, related compliance areas, online banking products, and government benefit payments. An audit preparation checklist is included to assist in gathering information needed for review. The document includes tools to help the auditor understand ACH participants, payment applications, and recent revisions to the Nacha Operating Rules. Electronic Version

Available: April 2022



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585 - ACH Audit Workbook

Electronic

Regulators and the ACH Rules require all financial institutions to conduct an ACH audit annually. And, as a result of the 2019 removal of Appendix Eight from the ACH Rules, institutions are now encouraged to take a risk-based approach to their audit. If you are conducting your audit internally, this fully interactive workbook will eliminate guesswork and guide you through the process. Bringing in pertinent criteria from the ACH Rules, the workbook examines ODFI and RDFI internal controls, OFAC controls, the ACH Operator relationship and related regulatory requirements. Several enhancements have been made in 2021 to incorporate member-feedback and make the workbook even more user-friendly including bookmarks for quick navigation between audit sections, icons to indicate questions pertaining to ACH Rules requirements and radio buttons for increased efficiency. Instructions for use are included. Upon completion of the workbook pages, a summary report is generated to help you quickly identify and prioritize changes to reduce risk.
 
This publication is copyrighted and purchase is good for one download/use. Contact Member Support for discounted pricing on multiple downloads. This publication is formatted as a PDF document. Users must have access to Adobe Reader.


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414 - ACH Risk Management Handbook, 7th Edition

A Comprehensive Guide to ACH Risk Issues and Control Procedures

 

ACH participants must take action to control risk in any payment system — including the ACH Network. The 7th edition explains the types of ACH payments risk, assesses the operational implications and provides sound business practices for developing an effective risk management program. In addition, case studies are included in each chapter to offer realistic examples to assist you in evaluating and implementing your risk management program.
 



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539 - Guide for Completing a Third-Party Sender ACH Risk Assessment

Electronic Version

The Guide for Completing a Third-Party ACH Risk Assessment is a publication designed to assist in completing a step-by-step assessment. Each Third-Party Sender is required to perform a risk assessment of their ACH activities and implement a risk management program in accordance with the requirements of the Nacha Operating Rules. Individual sections within the document address: risk management systems & controls, credit risk, high-risk activities and direct access to the ACH Operator, compliance and transaction risk, vendor & third-party management, information technology & information security and business continuity. A pre-assessment checklist and guide directions are included to assist the assessor. The document includes tools to help the assessor understand ACH participants and payment applications. Electronic Version

Available: April 2022

 



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538 - Guide for Completing Your ACH Risk Assessment

Electronic Version

The 2022 Guide for Completing Your ACH Risk Assessment is a publication designed to assist financial institutions in completing a step-by-step assessment. Each financial institution is required to perform a risk assessment of their ACH activities and implement a risk management program in accordance with the requirements of their regulators. Individual sections within the document address: risk management systems and controls, credit risk, high-risk activities and direct access to the ACH Operator, compliance and transaction risk, vendor and third-party management, information technology and information security, and business continuity. A pre-assessment checklist and guide directions are included to assist the assessor. The document includes tools to help the assessor understand ACH participants and payment applications. 

 



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563 - Managing ACH Credit Risk Guide

This groundbreaking publication (formerly the Guide to Establishing ACH Exposure Limits) was the first of its kind in the payments space - a collection of real-life best practices for managing ACH credit risk and establishing ACH exposure limits, gathered from member financial institutions of all sizes.



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431 - The ACH Compliance Manual: How to Comply with ACH-Related Rules & Regulations-10th Edition

This comprehensive manual explains the requirements of the Nacha Operating Rules & Guidelines and covers topics such as authorizations, disclosures, processing, funds availability, settlement, error resolution, returns, reversals, retention, audit, all Standard Entry Class Codes and more. It also provides a general overview of related Federal Regulations as well as helpful compliance tips, a resource list, and glossary of terms. 

This newly-revised 10th Edition is an excellent resource for anyone getting familiar with the Rules or as a companion for reviewing the Rules. It is clearly organized to show how the Rules apply to various participants in the system: Originators, ODFIs, Operators, RDFIs, and Receivers. It will help answer many routine questions that would otherwise require researching numerous other regulatory publications.

This manual is an invaluable tool for any candidate studying for the AAP or APRP exams and for those preparing for ACH annual audits or examinations by regulatory agencies. 



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431 DA - The ACH Compliance Manual: How to Comply with ACH-Related Rules & Regulations-10th Edition

Digital Access

This comprehensive manual explains the requirements of the Nacha Operating Rules & Guidelines and covers topics such as authorizations, disclosures, processing, funds availability, settlement, error resolution, returns, reversals, retention, audit, all Standard Entry Class Codes and more. It also provides a general overview of related Federal Regulations as well as helpful compliance tips, a resource list, and glossary of terms. 

This newly-revised 10th Edition is an excellent resource for anyone getting familiar with the Rules or as a companion for reviewing the Rules. It is clearly organized to show how the Rules apply to various participants in the system: Originators, ODFIs, Operators, RDFIs, and Receivers. It will help answer many routine questions that would otherwise require researching numerous other regulatory publications.

This manual is an invaluable tool for any candidate studying for the AAP or APRP exams and for those preparing for ACH annual audits or examinations by regulatory agencies. 



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540 E - ACH Corporate User Guide

Electronic Version

The purpose of the ACH Corporate User Guide is to help corporations/businesses establish and maintain a successful ACH origination program. The guide explains the preliminary requirements, fundamental operations and implementation concerns regarding specific ACH payment applications.

 

 



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310 - ACH Origination Agreement

Electronic Version

Revised for 2022

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 their 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.



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ACH Origination Application

Electronic Publication

Available for download. The ACH Origination Application offers ODFIs a streamlined application for businesses applying for ACH Origination Services. The interactive PDF is available for immediate download and is easily branded by the financial institution. The easy-to-use application captures all pertinent information such as applicant contact information, credit references, forecasted ACH Origination activity, account information and the ODFI’s conclusion(s). This tool ideally complements the Origination Checklist and the Originator Risk Calculator.

Sample



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315 - ACH Origination Third-Party Sender Agreement

Electronic Version

Revised for 2022

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 a Third-Party Sender. 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.



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592 - Corporate ACH User Quick Reference Cards

Electronic Version

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 fingertip 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 is a responsibility of the ODFI. These colorful and durable desktop reference cards provide ACH basics, including prenotifications, for the Originator along with the explanations for Return Reason codes, NOC codes, SEC codes, transaction codes and solutions for handling ACH exception entries. These quick reference cards are a great way to provide Originators tools now that the ACH Rules - Corporate Edition has been retired.
 
 
 
 

 



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569 - Guide to ACH Origination

Electronic Document

This handy toolkit can help streamline origination processes for your financial institution, regardless of whether you have been offering origination services for years or are just getting started. Includes: Guide to Origination; ACH Origination Application; ACH Origination Checklist; Origination Risk Calculator; ACH File Formatting Tool, ACH Exposure Limit Evaluation; Exceeded ACH Exposure Limit Form (FI), Exceeded ACH Exposure Limit Form (Originator); Exposure Limit Adjustment Request; ACH Returns Transmittal Register; NOC Entry Transmittal Register; ACH Originated Return Entry Log and ACH File Transmittal Register. 

 



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466E - Originator's Handbook - TEL Edition (Electronic)

This convenient, quick-reference tool is ideal for assisting with Originator education and training. Filled with all the knowledge necessary for compliant ACH operations in a condensed format more easily referenced and digested by the Originator, each handbook includes an overview of the ACH Network, its participants, and why it is a safe, efficient payment system. The TEL edition also includes: a checklist for beginning Direct Payment origination; a discussion of what constitutes a TEL authorization along with two sample authorization scripts; simplified File structure information; and other core concepts.

 



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511 - Third-Party Senders & the ACH Network (3rd Edition)

Third-Party Senders & the ACH Network is designed primarily for use by ODFIs and those Third-Party Service Providers that act in the specific role of Third-Party Senders. This publication provides a review of the variations in legal requirements and processing obligations relating to the origination of ACH entries when a Third-Party Service Provider, acting as a Third-Party Sender, is involved in the origination of transactions through the ACH Network. This edition reflects the latest Nacha Operating Rules changes, offers real-world examples of Third-Party Sender relationships, and includes sound business practices, risk management topics and a checklist of issues to be addressed by ODFIs, Originators, and Third-Party Senders in processing agreements.



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511 DA - Third-Party Senders & the ACH Network (3rd Edition)

Digital Access

Third-Party Senders & the ACH Network is designed primarily for use by ODFIs and those Third-Party Service Providers that act in the specific role of Third-Party Senders. This publication provides a review of the variations in legal requirements and processing obligations relating to the origination of ACH entries when a Third-Party Service Provider, acting as a Third-Party Sender, is involved in the origination of transactions through the ACH Network. This edition reflects the latest Nacha Operating Rules changes, offers real-world examples of Third-Party Sender relationships, and includes sound business practices, risk management topics and a checklist of issues to be addressed by ODFIs, Originators, and Third-Party Senders in processing agreements.



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673 - ACH Management Policies

Downloadable Word Document

Having thorough and well-documented ACH policies are crucial to maintaining compliance with the ACH Rules and other applicable rules and regulations. Our user-friendly tool will help you tailor an ACH Management Policy according to your financial institution's involvement in the ACH Network. Includes a mapping tool and document retention table to aid in implementing policies throughout your ACH processes. (2019)

Includes: ACH Management Policy; Retention of ACH Documents Table; ACH Process Mapping (2019)
This publication is formatted as a PDF document. Users must have access to Adobe Reader.


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1000 - ACH Policies & Procedures Guide

Electronic Version

Don't go into your next examination with incomplete policies and procedures! The 2022 ACH Policies & Procedures Guide is a comprehensive template built for financial institutions. There has yet to be as complete a set of policies, procedures and supplements available to DFIs for ACH. The expert authors believe strongly that sample policies are not effective therefore this Guide allows for personalization in each area that a financial institution should make a business decision. Customization is easy in this electronic format. (Electronic Version Only)

 



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1000B - ACH Policies & Procedures Guide - 2022 Revisions

Electronic Version

The 2021 ACH Policies & Procedures Guide document is an updated addendum for the Nacha Operating Rules changes effective 2022. This document can be used with the Policy & Procedure Guide previously purchased to update your policies & procedures. (Electronic Version only)

 



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830 - ACH Product Sales & Marketing Handbook

This publication explores strategies and solutions for extending ACH products and services to financial institutions' business and consumer customers. Supporting increased understanding of ACH marketing and sales opportunities, the publication is written to help financial institutions in marketing and using ACH services in support of their business, government and consumer customers.



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529OL - ACHPro (Online)

ACHPro is a self-paced, computer-based training program developed to increase your knowledge of the ACH. ACHPro has been developed to promote knowledge of the ACH network. This tool can be used to evaluate your level of expertise of the ACH and related payment systems, and to identify those areas that may require additional development. ACHPro was designed to make learning fun. 

 

 



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501 - 566 Becoming an ODFI Implementation Toolkit

Electronic


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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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The Story of Payments: How The Industrialization of Trust Created the Modern Payment System

Written by experienced experts from both the private and the government sector, The Story of Payments: How The Industrialization of Trust Created the Modern Payment System tells the story of how payments – between people, merchants, employers and governments – emerged from the ancient system of barter and grew, through various technological implementations ranging from coins and paper money to checks, wire transfers and credit cards to today’s entirely electronic local and international payment systems.

Readers will learn the inner workings of the U.S. Payments System that allow it to work effectively and efficiently, including the technology, standards, laws and regulations that provide ubiquity and ease of access.

The authors also provide insight into the inherent risks of the payment system and set forth a model for future innovation and change. The Story of Payments : How The Industrialization of Trust Created the Modern Payment System, is a practical manual for those who make and receive payments, an instructional manual for those who work in payments, and a fascinating historical exploration of the role the world’s payment systems have played in creating the commercial society we live in today.



Price: $55.00    

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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