All Products
AAP Preparation Publications Packages
Various Formats
AAP Preparation Publications Package includes:
- 2026 ACH Rules Book – Online Resource Code
- AAP Flashcards – Electronic Version
- ACH Compliance Manual – eBook via App
- ACHPro™ (Online) – Electronic Version
- Revised Uniform Commercial Code Article 4A and the ACH System – eBook via App
Online Resource (web-based): This interactive website provides access to both the full Nacha Operating Rules & Nacha Operating Guidelines, as well as any potential supplement details. The Online Resource website has been divided into sections for easy browsing and searching of the content. This resource has been set up to allow for an easy and responsive viewing experience from a desktop computer, laptop, or mobile device with enhanced product features:
- Customized Bookmarking
- Keyword/Phrase Search
- Copy options
- Printing options
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.
APRP Preparation Publications Package
Various Formats
The Accredited Risk Payments Professional (APRP) designation distinguishes its bearers as members of an elite corps of payments system professionals. To assist you in preparing for the APRP examination, administered once in the fall each year, the following recommended texts are offered:
APRP Preparation Publications Package includes:
- ACH Rules Book – Hardcopy, Online Resource Code, or eBook via App
- ACH Compliance Manual – Hardcopy or eBook via App
- Revised Uniform Commercial Code Article 4A and the ACH System – Hardcopy or eBook via App
- ACH Risk Management Handbook - 9th Edition – Hardcopy
- APRP Flashcards – Electronic Version
- RiskPro™ (Online) – Electronic Version
* The ACH Rules Book (Annual access to this publication runs from December 31, 2024 – December 31, 2025.), ACH Compliance Manual, ACH Risk Management Handbook, and the Revised Uniform Commercial Code Article 4A and the ACH System are available in various formats. Such as Hardcopy, Online Resource Code, or eBook via App.
* The APRP Flashcards and RiskPro™ (Online) are available electronically only.
Hardcopy: Access to the Rules & Guidelines helps to identify new opportunities to leverage the ACH Network to meet customer’s needs while maintaining a clear understanding of network requirements.
The Rules include the legal framework for the ACH Network and the basic obligations of each ACH Network participant. Additionally, the included appendices contain details on Rules enforcement, annual audit requirements, a complete table of return reason codes, and formatting specifications.
The Guidelines expand on the Rules, providing complete discussions of each ACH Network participant type and its role and responsibilities, detailed overviews of the Standard Entry Class Codes, and use-case examples in special topic areas, such as Third-Party Service Providers.
Online Resource(web-based): This interactive website provides access to both the full Nacha Operating Rules & Nacha Operating Guidelines, as well as any potential supplement details. The Online Resource website has been divided into sections for easy browsing and searching of the content. This resource has been set up to allow for an easy and responsive viewing experience from a desktop computer, laptop, or mobile device with enhanced product features:
- Customized Bookmarking
- Keyword/Phrase Search
- Copy options
- Printing options
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.
2026 Nacha Operating Rules & Guidelines
Online Resource (web-based)
This interactive website provides access to both the full Nacha Operating Rules & Nacha Operating Guidelines, as well as any potential supplement details. The Online Resource website has been divided into sections for easy browsing and searching of the content. This resource has been set up to allow for an easy and responsive viewing experience from a desktop computer, laptop or a mobile device with enhanced product features:
• Customized Bookmarking
• Keyword/Phrase Search
• Copy options
• Printing options
Perfect for financial institutions to provide the Nacha Rules to corporate customers or members.
Annual publication December 31, 2025 – December 31, 2026
Please Note: All digital purchases are final.
2026 Nacha Operating Rules & Guidelines
Print (hard copy book)
Access to the Rules & Guidelines helps to identify new opportunities to leverage the ACH Network to meet customer’s needs while maintaining a clear understanding of network requirements.
The Rules include the legal framework for the ACH Network and the basic obligations of each ACH Network participant. Additionally, the included appendices contain details on Rules enforcement, annual audit requirements, a complete table of return reason codes, and formatting specifications.
The Guidelines expand on the Rules, providing complete discussions of each ACH Network participant type and its role and responsibilities, detailed overviews of the Standard Entry Class Codes, and use-case examples in special topic areas, such as Third-Party Service Providers.
Nacha Rules Book Tabs
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.
Tabs are sold separately.
2025 Nacha Operating Rules & Guidelines - Hardcopy
Hardcopy: Access to the Rules & Guidelines helps to identify new opportunities to leverage the ACH Network to meet customer’s needs while maintaining a clear understanding of network requirements.
The Rules include the legal framework for the ACH Network and the basic obligations of each ACH Network participant. Additionally, the included appendices contain details on Rules enforcement, annual audit requirements, a complete table of return reason codes, and formatting specifications.
The Guidelines expand on the Rules, providing complete discussions of each ACH Network participant type and its role and responsibilities, detailed overviews of the Standard Entry Class Codes, and use-case examples in special topic areas, such as Third-Party Service Providers.
2025 Nacha Operating Rules & Guidelines - Online Resource Code
Online Resource(web-based): This interactive website provides access to both the full Nacha Operating Rules & Nacha Operating Guidelines, as well as any potential supplement details. The Online Resource website has been divided into sections for easy browsing and searching of the content. This resource has been set up to allow for an easy and responsive viewing experience from a desktop computer, laptop, or mobile device with enhanced product features:
• Customized Bookmarking
• Keyword/Phrase Search
• Copy options
• Printing options
Note: All digital purchases are final.
Annual access to these publications runs from December 31, 2024 – December 31, 2025.
AAP Flashcards
Electronic Format
Electronic Publication: You can now access one of our most popular study aids virtually, making it easier to fit valuable study time into your busy schedule! No need to lug around bulky paper flashcards. Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool includes five electronic flashcards "decks," each based on one of the five focus areas of the AAP exam. Choose to study one focus area at a time or all areas together. Enjoy all the features of traditional flashcards such as easily flipping through cards and tracking your progress but with additional functionality that allows you to rate your comfort level with topics and utilize spaced repetition to better reinforce your knowledge.
Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.
Format: Electronic Access Code
ACH Audit Workbook
Electronic Format
Electronic Publication: Regulators and the ACH Rules require all financial institutions to conduct an ACH Compliance Audit annually. This user-friendly workbook will eliminate guesswork and guide you through conducting a risk-based ACH Compliance Audit by examing ACH Rules, ODFI and RDFI sound business practices, OFAC processes and other payments-related regulatory requirements. The 2025 edition includes minor enhancements to improve process flow and content quality. 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.
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.
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
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
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 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
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
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
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
ACH Quick Reference Cards for Corporate Users
Electronic Format
ACH Quick Reference Cards for Financial Institutions
Electronic Format
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
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.
ACH Risk Management Handbook, 9th Edition
Hardcopy
Hardcopy: The newly updated 9th edition offers essential insights into Nacha’s strategies for identifying and mitigating risks associated with ACH payments. This publication provides comprehensive recommendations for developing an effective risk management program tailored for organizations involved in ACH transactions. Importantly, the threats to ACH payments are not unique to the ACH Network; the lessons learned can be applied to create a holistic payments risk management program. The edition includes the latest 2024 Rules focusing on credit push fraud and offers methods to address evolving fraud tactics. Additionally, real-world case studies in each chapter illustrate practical applications of the concepts discussed, helping organizations evaluate and enhance their risk management practices.
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
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 May and closes on December 31, 2025.
Registration closes on November 1, 2025.
AgreementsNow! Business Online Banking Cash Management Master Service Agreement
Electronic Format
Electronic Publication: One master agreement that covers all your payments products eliminates the need for separate agreements that must be signed and filed for each service! This electronic document contains a modifiable Business Online Banking and Cash Management Service Master Agreement in Microsoft Word that captures what should be in every service agreement. You append further information using the multiple product schedules that are included in the document, but only the Master Agreement needs to be signed. Product schedules included in the document are:
- ACH Origination including authorization forms and more
- ACH Block-Filter
- Account Reconciliation including full, partial, and range
- Lockbox including retail, wholesale, and "wholetail"
- Line of Credit Sweep
- Money Market Sweep
- Positive Pay
- Remote Deposit Capture
- Wire Transfer
- Reverse Wire
The ACH, Remote Deposit Capture, and Wire Transfer agreements are also structured for stand-alone use if needed. The contents and price make this a very cost-effective package for your payments product program!
This publication is formatted as a Word document.
Format: Word
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
AgreementsNow! Wire Transfer Agreement
Electronic Format
Electronic Publication: Have you recently examined the merit of your current Wire Transfer agreements, or are you planning to expand this service with your business customers or members? If so, then you'll want to have this Wire Transfer Agreement to deploy to your Wire Transfer users. This electronic document contains a modifiable Microsoft Word document that addresses today's concerns for any Financial Institution that offers this service.
This publication is formatted as a Word document.
Format: Word
APRP Flashcards
Electronic Format
Electronic Publication: You can now access our APRP flashcards virtually, making it easier to fit valuable study time into your busy schedule! No need to lug around bulky paper flashcards. Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool includes six electronic flashcard "decks," each based on one of the six focus areas of the APRP exam. Choose to study one focus area at a time or all areas together. Enjoy all the features of traditional flashcards such as easily flipping through cards and tracking your progress but with additional functionality that allows you to rate your comfort level with topics and utilize spaced repetition to better reinforce your knowledge. Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.
Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.
Format: Electronic Access Code
Check Returns & Adjustments Quick Reference Guide
Electronic Format
Check/Image Flashcards
Electronic Format
Electronic Publication: You can now access one of our most popular study aids virtually, making it easier to fit valuable study time into your busy schedule! There is no need to lug around bulky paper flashcards. Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool includes six electronic flashcard "decks," each based on one of the six focus areas of the NCP Exam. Choose to study one focus area at a time or all areas together. Enjoy all the features of traditional flashcards such as easily flipping through cards and tracking your progress but with additional functionality that allows you to rate your comfort level with topics and utilize spaced repetition to better reinforce your knowledge.
Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.
Format: Electronic Access Code
Check/RDC Quick Reference Cards
Electronic Format
Electronic Publication: This handy set of cards explores the commonly used adjustment investigation types, duplicate situations, and how the Regulation CC Remote Deposit Capture (RDC) Indemnity can help, the account holder's duty to discover and report an unauthorized signature or alteration and key elements of the FFIEC Guidance related to RDC. Ensure your staff always has a need-to-know check and RDC information within fingertip reach and stands ready to handle difficult exception items such as altered, counterfeit, and forged checks. Key topics covered include Check 21 expedited recredit provisions, exception holds, return reason codes, commonly used FRB adjustment information and RDC risk management tips.
CheckPro™ (Online)
Electronic Format
Electronic Publication: Whether studying for the NCPC exam or keeping current with professional development, CheckPro™ is the tool that gets you where you are going. CheckPro™ has been specifically designed to help you master the changing check landscape and related payment systems. Covering 4 essential knowledge areas: Fraud and Risk, Operations, Products and Rules, Laws, and Regulations, CheckPro™ contains all the extra practice and information you need to be a successful Check Professional.
User Access opens in February and closes on December 31, 2025.
Registration closes on May 10, 2025.
Debit Card Quick Reference Cards
Electronic Version
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
Guide to ACH Origination
Electronic Format
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
ODFI Audit Checklists for Originators & Third-Party Senders
Electronic Format
Electronic Publication: This tool contains a series of ODFI Audit checklists providing an efficient tool for ODFIs to gauge their Originators/Third-Party Senders understanding and compliance with the ACH Rules. These checklists can be completed by financial institution staff or sent to the Originator and/or Third-Party to complete on its own and then return to the ODFI. Each Audit Checklist is a fillable PDF form for each type of ACH application. Complete or send the forms that are specific to the ACH services your institution originates.
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
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
RDC All-in-One Resource Guide
Electronic Format
Electronic Publication: This all-in-one resource provides sample procedures and documentation to help financial institutions effectively implement a Remote Deposit Capture program for consumers and companies. Don't spend your valuable time writing and creating documents! The RDC Resource includes everything you need to establish or enhance your RDC policies, procedures, and risk management:
- Legal Governance
- Considerations for Remote Deposit Capture Policy and Procedures
- Sample Remote Deposit Capture Risk Management Policy
- Sample Remote Deposit Annual Review Considerations
- Sample Remote Deposit Capture Check Destruction Tracking Log
- Remote Deposit Capture Customer Self-Audit Considerations
- Remote Deposit Capture Customer/Merchant Audit Considerations
- Remote Deposit Capture Training Guide
This resource comes with one license and is intended for use by the purchasing organization only.
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
Reg E All-in-One Resource Guide
Electronic Format
Electronic Publication: Does your financial institution have the appropriate procedures and documentation in place to effectively comply with Regulation E error resolution requirements? Compliance is a necessity for all financial institutions. Don’t spend your valuable time writing and creating documents! The Regulation E Resource provides essential sample documents you need to establish or enhance your Regulation E error resolution processes and maintain compliance:
- Regulation E Error Resolution Procedures
- Electronic Funds Transfer Error Resolution Log
- EFT Error Resolution Timeline Quick Reference Chart
- Regulation E Employee Training Log
- EFT Statement of Dispute
- Sample Notification Letters
This resource comes with one license and is intended for use by the purchasing organization only.
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
Remote Deposit Capture Risk Assessment Workbook
Electronic Format
Electronic Publication: The RDC Risk Assessment Workbook is a comprehensive, easy-to-use tool designed to assist Financial Institutions in addressing their remote deposit capture risk. The Workbook content mirrors the FFIEC Remote Deposit Capture Risk Management Guidance. The Remote Deposit Capture Risk Assessment Workbook guides you in completing the step-by-step risk assessment questions. The user-friendly Excel worksheet questions are easily answered with Yes, No, or Not Applicable and include room for comments, to assist you in developing a comprehensive RDC risk management program. Operations staff, risk managers, compliance officers as well as audit personnel will find this workbook a useful tool.
Revised Uniform Commercial Code Article 4A and the ACH System - 4th Edition
Various Formats
Hardcopy: The refreshed 4th Edition contains new statistics and evaluates the impact of the UCC 4A on security procedures, bank/corporate agreements, recommended contractual provisions, errors, unauthorized entries, and more. Includes Article 4A (law unchanged) with staff commentary. For financial institutions and corporations that handle ACH wholesale credits.
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.
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.
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.
Third-Party Sender ACH Audit Guide
Electronic Format
Electronic Publication: Third-Party Senders that have agreed with a participating Depository Financial Institution to process ACH Entries, including the performance of any functions of an ODFI are required to conduct an annual ACH Rules Compliance Audit. If you are conducting your audit internally, this user-friendly workbook will eliminate guesswork and guide you through the process. The 2025 edition of our Third-Party Sender Workbook has been updated with recent 2025 ACH Rules changes pertaining to Third-Party Senders, Nested Third-Party Senders, and will walk Third-Party Senders step-by-step through conducting their audit. A sample audit report and complete worksheets based on the ACH Rules are all included in this helpful tool, making it easy for Third-Party Senders to assess and document their level of ACH compliance.
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.
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.
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.
UCC Quick Reference Card
Electronic Format
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.
Wire Risk Assessment for Financial Institutions
Electronic Format
Electronic Publication: Wespay’s Wire Risk Assessment for Financial Institutions is designed to provide financial institutions with a template to complete an assessment of the risks related to its Wire Transfer services, including Remittance Transfers. It includes common risks faced by institutions and Wespay encourages your organization to use it as a starting point to customize this assessment by adding, subtracting, and/or modifying these common risks to best reflect the risks faced by your business.
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.
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