AAP Testing Center - Professional Development

AAP LogoBecome a leader and authority in the electronic payments industry!

Since its inception in 1993, the AAP Program has recognized 4,500+ ACH professionals. As an AAP, you will join this elite group of professionals who are recognized for their ACH payments expertise.

Plan Your Study Course

SFE offers virtual workshops, in-person workshops, or customized training to suit you.

The AAP exam testing window is Monday, October 5th – Saturday, October23rd. The registration period is Monday, January 11th - Friday, September 10th. For those who are taking the exam this year, or preparing for the future, we have a study program for you.

Virtual Workshops

What's New in Payments 2021 Virtual Workshop - February 10th & 11th

ACH Fundamentals Virtual Workshop - March 2nd & 3rd

Tiptoe Through the Rules Book Virtual Workshop - May 11th & 12th

AAP Summer Study Program (Click Here to Register)

Our 2021 AAP Summer Study Program provides study resources for the exam, including an interactive reading program with biweekly conference calls. And, of course, an Accredited ACH Professional from the SFE team is available for email and telephone support. All calls are recorded and available anytime after the dates below.

All conference calls will be held at 1:00 PM CT on the following dates:

May 13
May 27
June 10
June 24
July 8
July 22
August 5
August 19
September 2
September 16

Register for our free on-demand course "So You Think You Want To Be An AAP" to learn more about what to expect and how to prepare.

Suggested AAP Study Publications

Nacha Operating Rules & Guidelines - Hard Copy (405-2021)
Nacha Operating Rules & Guidelines - Online Resource (web-based) (405OL-2021)
Nacha Operating Rules & Guidelines - Digital Access via App (eBook) (405DA-2021)
ACHPro Online
AAP Flashcards
The ACH Compliance Manual
ACH Product Marketing Handbook for FIs
Revised Uniform Commercial Code Article 4A and the ACH System

AAP Handbook (provided by Nacha after Exam registration)

All publications may be purchased on our website at sfe.org

AAP Continuing Education Credits

An AAP must earn 60 hours of Continuing Education, with no more than 20 hours earned in any one year, during the five year accreditation period. AAPs also have an option to retest during the fourth or fifth year if the Continuing Education requirements are not met.

  • Filing Deadline: March 31st (for prior year)
  • Late Filing Deadline - April 30th (late fee applies)
  • Contact Southern Financial Exchange to request a paper form (800) 626-4733 Ext. 1121 or email tkottemann@sfe.org
  • For more information click here


"Examiners view having AAPs on staff as extremely important. AAP is the one ceretification that regulators view as the payments industry standard for accreditation and ongoing education."

Tony DaSilva, AAP, CISA
Supervision & Regulation,
Federal Reserve Bank of Atlanta

"I took the AAP test on October 15 and PASSED!!!!!!! [I took all of the last week off just to decompress from studying for this test!]

I wanted to THANK YOU and the entire team at SFE that worked on the Summer Study program!  The questions that I got for the actual test were nothing like the practice questions (I swear I didn’t get asked even one IAT question) BUT how the questions were worded and how the questions ‘felt’ was just like the practice tests.

Again, THANK YOU! The Study Program was extremely helpful! I also appreciate all of the hard work that has and does go into making it."

Erica Hare, AAP
Electronic Funds Specialist


To learn more through Nacha and to register for the exam, Click Here!