Agreements, Guides & Quick Reference

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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AgreementsNow! Business Online Bkg Cash Mgmt Master Svc Agmt

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



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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



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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



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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



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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.

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


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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.

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


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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 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 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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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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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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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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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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Debit Card Quick Reference Cards

Electronic Version

 
Electronic Publication: These cards are a "must-have" for your operations area. The set includes helpful information on Regulation E liability and timeframes, chargebacks, chargeback codes, and definitions. Various types of card fraud including skimming, identity theft, telemarketing fraud, and phishing are explained. These cards make a great training tool

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

Format: PDF

 



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