ACH Resources

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



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ACH Origination Third-Party Sender 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 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.

This publication is formatted as a Word document.

Format: Word



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ACH Quick Reference Cards for Financial Institutions

Electronic Format

Electronic Publication: This eight-card reference set includes 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 the 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 eight-card reference set is one of the most useful ACH resources available to them. 
 
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
 
Format: PDF


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ACH Quick Reference Cards for Corporate Users

Electronic Format

Electronic Publication: This tool, modeled after the popular ACH Quick Reference Cards for Financial Institutions, is specifically designed for corporate ACH users. This four-card reference set 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 (NOCs). This is an ideal tool to assist with Originator education and ACH Rules compliance, which is a responsibility of the ODFI. These colorful and durable desktop reference cards cover ACH basics such as prenotifications, 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. These cards have been updated to include information about recent updates to Reversals. 
 
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
 
Format: PDF


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ACH Quick Reference Guide

Electronic Format

Electronic Publication: An everyday operational resource for ACH information, this easy-to-use guide is updated with the very latest information, including ACH 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.

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

Format: PDF

 



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Check Returns & Adjustments Quick Reference Guide

Electronic Format

Electronic Publication: When processing check payments, there are multiple ways to resolve check exceptions: Returns (Customer and Administrative), Rule 8 & Rule 9 Claims, Adjustments, and Warranty Breach Claims. This guide will highlight the information needed to process these exceptions and how you can mitigate your risk of losses by performing tasks in a timely manner. Return codes and adjustments are provided in an easy-to-read chart that combines essential information from Accredited Standards Committee X9, ECCHO Operating Rules, and Federal Reserve. This updated guide will also include newly added adjustment types along with all forms required to be completed with certain adjustment types.
 
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
 
Format: PDF


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UCC Quick Reference Card

Electronic Format

Electronic Publication:

The Uniform Commercial Code (UCC), Articles 3 and 4 first published in 1952, is a set of standardized state laws that govern business and financial contracts that establishes general duty standards for parties to act in good faith and exercise ordinary care in their transactions across the United States of America (U.S.) through UCC adoption by all 50 states, the District of Columbia, and the Territories of the United States. Together with case law, Articles 3 and 4 document legal boundaries for most aspects of check processing.

This Quick Reference Card outlines the key topics in the UCC Articles 3 and 4 with a brief description of each and the location of the UCC Reference. Together with case law, Articles 3 and 4 document legal boundaries for most aspects of check processing.

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


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ACH Audit Guide

Electronic Version

Electronic Publication:The 2024 ACH Audit Guide is a publication designed to assist financial institutions 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 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.
 
Note: This product is intended for One-Time Use. This publication is copyrighted and the purchase is good for one use. All digital purchases are final.


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Guide for Completing Your ACH Risk Assessment

Electronic Format

Electronic Publication: The 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 its ACH activities and implement a risk management program in accordance with the requirements of its 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. 

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


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

Electronic Format

Electronic Publication: The 2024 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.

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



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Guide for Completing a Third-Party Sender ACH Risk Assessment

Electronic Format

Electronic Publication: The 2024 Guide for Completing a Third-Party Sender 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. 

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.



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ACH Compliance Manual - 11th Edition - Various Formats

Various Formats

Hardcopy: An essential tool to ensure compliance with the Nacha Operating Rules & Guidelines, the 11th 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.



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ACH Risk Management Handbook, 8th Edition

Various Formats

Hardcopy: The 8th edition provides the latest information on Nacha’s strategies to identify and mitigate risks and provides recommendations for developing an effective risk management program for any organization involved in the creation or processing of ACH transactions. The threats to ACH payments are not unique to the ACH Network and the lessons learned can be applied to create a holistic payments 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.

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.

 



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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



Price: Format:   Qty:     

ACH Origination Third-Party Sender 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 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.

This publication is formatted as a Word document.

Format: Word



Price: Format:   Qty:     

ACH Quick Reference Cards for Corporate Users

Electronic Format

Electronic Publication: This tool, modeled after the popular ACH Quick Reference Cards for Financial Institutions, is specifically designed for corporate ACH users. This four-card reference set 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 (NOCs). This is an ideal tool to assist with Originator education and ACH Rules compliance, which is a responsibility of the ODFI. These colorful and durable desktop reference cards cover ACH basics such as prenotifications, 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. These cards have been updated to include information about recent updates to Reversals. 
 
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
 
Format: PDF


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ACH Guide for Originators – Advanced

Electronic Format

Electronic Publication: Formerly known as the ACH Corporate User Guide, this comprehensive guide aims to empower ACH Originators by offering a nuanced exploration of the ACH Network, unraveling its history, key participants, and operational dynamics. It examines Originator responsibilities, and not only outlines preliminary requirements for establishing a robust ACH program but also provides in-depth insights into fundamental ACH operations. In addition, it addresses implementation concerns surrounding specific ACH payment applications, making it an indispensable resource for organizations navigating the intricacies of electronic payments.

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

Format: PDF



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ACH Guide for Originators – Basic

Electronic Format

Electronic Publication: Formerly known as the Corporate User ACH Origination Basics Guide, the purpose of this guide is to offer corporate ACH Originators a high-level understanding of the Nacha Operating Rules and Guidelines, crafted with the corporate end-user in mind. The guide discusses topics such as ACH Network participants, products (including the PPD, CCD, and WEB Standard Entry Class Codes), authorization requirements (including sample authorization forms), returns, Notifications of Change, and more. Upon purchasing this guide, you will also receive a sample letter that can be utilized when providing this resource to your ACH Originators.

Format: PDF



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ACH Origination Agreement Checklist for FI's

Electronic Format

Electronic Publication: This checklist may be used as a resource when drafting your ACH Origination Agreement. The topics included in the checklist are general topics that may not be consistent with the way your Financial Institution operates. This checklist may not appropriately address all the laws or regulations specific to the state where your Financial Institution is located and is not intended to constitute legal advice.

Format: Electronic Access Code



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ACH Originator Annual Letter (Sample)

Electronic Format

Electronic Publication: Specifically crafted for Originating Depository Financial Institutions (ODFIs), this letter serves as an annual engagement tool with ACH Originators. It provides instructions on accessing the Nacha Operating Rules online and includes a comprehensive breakdown of the 2024 Federal Reserve Bank holidays. The letter is provided in a Word document format, offering ODFIs the flexibility to seamlessly integrate any additional pertinent information from their ACH origination education program into the letter.

This publication is formatted as a Word document.

Format: Word



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Guide to ACH Origination

Electronic Format

Electronic Publication: This handy toolkit includes the Guide to Origination, ACH Originator Application, ACH Origination Checklists (CU and Bank), Origination Risk Calculator and Directions, ACH File Formatting Tool, ACH Exposure Limit Evaluation, Exceeding ACH Exposure Limit Overage Disposition Form, Co. Request for Increase of Exposure Limit, ACH Returns Transmittal Register, ACH Return Entry Log, Directions for Use Operations Risk Management Tools, TPS List of Originators and ACH File Transmittal Register.
 
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
 
Format: PDF


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Image & Remote Deposit Capture (RDC) Guide

Electronic Format

Electronic Publication: This guide contains the following attachments:

  • 51-page Image & RDC Guide for the Financial Institution
  • Sample Mobile Deposit Risk Management Policy
  • Sample Merchant Capture Risk Management Policy
  • Sample Corporate RDC Limit Review Form
  • Sample Merchant Capture Service Agreement
  • Sample Mobile Deposit Agreement
  • Glossary of Terms
  • Website Links for RDC Resources

Format: PDF/Word



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Origination Handbook - TEL, WEB & CIE SEC Codes

Electronic Format

Electronic Publication: This convenient quick-reference tool helps ACH Originators quickly and easily understand their obligations under the ACH Rules. Filled with all the knowledge necessary for compliant ACH operations in a condensed format more easily referenced and digested by the Originator, each handbook in this series includes an overview of the ACH Network and its participants, as well as file formatting and processing requirements. The TEL, WEB & CIE edition also includes verification, authorization, and data security audit requirements.

Format: PDF



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ACH Rules Review Guide for Originators

Electronic Format

Electronic Publication: This Rules Review Guide is designed to assist an originating company when reviewing its ACH functions and to provide an understanding of the requirements of the Nacha Operating Rules. The guide will help the originating company and its Financial Institution stay in compliance with the Nacha Operating Rules.

This guide contains the following attachments:

  • 7-page ACH Rules Review Guide
  • ACH Originator Review Form
  • Sample Direct Deposit via ACH Authorization (Originator - Consumer Receiver)
  • Sample Direct Payment via ACH Authorization (Originator - Consumer Receiver)
  • Sample Authorization Language and Ineligible Items for ACH Check Conversion
  • Returns, Notifications of Change (NOCs), & Other Codes
  • Glossary of Terms
  • ACH Security Framework Guidance and Checklists

Format: PDF/Word



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Third-Party Senders & the ACH Network - 4th Edition - Various Formats

Various Formats

Hardcopy: This 4th Edition update provides a review of the variations in legal requirements and processing obligations relating to the origination of ACH entries when 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. Third-Party Senders and ODFIs partnering with and managing these organizations will benefit from the information discussed.

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.



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ACH Policies & Procedures Guide

Electronic Format

Electronic Publication: Don't go into your next examination with incomplete policies and procedures! The 2024 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)

Format: Electronic



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ACHPro (Online)

Electronic Format

Electronic Publication: 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. 

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

ACHPro™ Game Mode is a fun, interactive program, which tests your skills in six competency areas:
• Payment Systems
• Marketing ACH
• Risk and the ACH
• ACH Rules and Regulations
• ACH Processing
• ACH Technical Requirements

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 ACHPro™ 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, ACHPro™ is an essential tool for your professional development.

User Access opens in early May and closes on December 31, 2024.

Registration closes on November 2, 2024

 



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