Rules Publications

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310 - ACH Origination Agreement

Electronic Version

Revised for 2022

This sample agreement, in a word document format, includes critical terms and conditions that should be addressed in a legal agreement between a financial institution and their originators. There are numerous blanks and fields that should be completed and appropriately formatted before using this Agreement. Please remember that all contracts and agreements should be reviewed and modified where necessary by your legal counsel to be consistent with the specific needs or operations of your institution.



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315 - ACH Origination Third-Party Sender Agreement

Electronic Version

Revised for 2022

This sample agreement, in a word document format, includes critical terms and conditions that should be addressed in a legal agreement between a financial institution and a Third-Party Sender. There are numerous blanks and fields that should be completed and appropriately formatted before using this Agreement. Please remember that all contracts and agreements should be reviewed and modified where necessary by your legal counsel to be consistent with the specific needs or operations of your institution.



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405 - 2023 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 expands 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.

Visitors who purchased this item also bought:

ACH Quick Reference Cards for Financial Institutions

 



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405OL - 2023 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. 

Visitors who purchased this item also bought:

ACH Quick Reference Cards for Financial Institutions

Please Note: All digital purchases are final.

 



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405DA - 2023 Nacha Operating Rules & Guidelines

via App (eBook)

This Adobe-based product requires a third-party app called Flux Player to allow the NOR&G content to be redeemed, downloaded to and accessed only within the app. The content is read only, ebook display 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 NOR&G 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.

Perfect for financial institutions to provide the Nacha Rules to corporate customers or members. 

Annual publication December 31, 2022 – December 31, 2023

Visitors who purchased this item also bought:

ACH Quick Reference Cards for Financial Institutions

Please Note: All digital purchases are final.



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682 - AAP Publication Package

Save on Individual Items

The Accredited ACH Professional (AAP) designation distinguishes its bearers as members of an elite corps of payments system professionals. To assist you in preparing for the AAP examination, administered once in the fall each year, the following recommended texts are offered:
 

Special Offer!
AAP Special:

AAP Flashcards
ACH Compliance Manual (available Summer 2023)
AAP Core Concepts: A Study Guide 
ACHPro (Online)
ACH Quick Reference Cards for Financial Institutions
ACH Rules Book Online Resource
Revised Uniform Commercial Code Article 4A and the ACH System

$500 when SFE Members purchase as a package - a savings of $100!



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10050 - Corporate User ACH Origination Basics Electronic Guide

Electronic

This is a tool that the ODFI can purchase to keep their originator informed of the most common ACH rules that pertain to most originators. Provided in an electronic format for easy distribution to your originating companies.

Format: PDF



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540 E - ACH Corporate User Guide

Electronic Version

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

Format: Automatic download (PDF/Word/Zip)



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ACH Origination Agreement Checklist for FI's

Electronic Version

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 operations. This checklist may not appropriately address all the laws or regulations specific to the state where your Financial Institution is locates and is not intended to constitute legal advice.



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ACH Origination Application

Electronic Publication

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

Sample



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10052 - ACH Originator Annual Letter (Sample)

Electronic

This sample letter may be used by ODFIs to touch base with their ACH Originators on an annual basis, reminding them how to access the Nacha Operating Rules online, along with any other pertinent information the institution may choose to include as a part of its ACH origination education program.

 



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560 - ACH Quick Reference Cards for Financial Institutions

Electronic Version

A seven-card series including codes and timeframes for: ACH Returns, Dishonored and Contested Dishonored Returns, Notifications of Change (NOC), Special Exceptions (including Operator Rejects and Government Payments), Electronic Check Applications, IAT, WEB and TEL. These colorful and durable desktop reference cards provide fingertip access to critical information for proper handling of these ACH items. The cards also include helpful tips and commonly asked questions and answers regarding exception handling. Members overwhelmingly agree that this seven-card reference set is one of the most useful ACH resources available to them. These cards have been updated to include information about the updates to the R11 Return Reason Code for Questionable Entries.


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561 - ACH Quick Reference Guide

Electronic Version

An operational resource for basic ACH information in an easy to use format. This publication includes RDFI responsibilities related to ACH Rules compliance obligations, a glossary of ACH terms and easy to understand information on handling exceptions. This publication is a great educational resource for training new operations employees.

 



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501 - 566 Becoming an ODFI Implementation Toolkit

Electronic


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40402 - Check & RDC Quick Reference Cards (set of 10)

This handy set of cards includes all the crucia topics your check operations need to know to process checks. They include topics like: Reg CC funds availability, RDC indemnity related to duplicate presentments & risk managements tips, Check 21 expedited recredit provisions, exceptions holds, return reason codes, and FRB adjustment information. These fingertip tools will keep your staff in know about things they need to know about!

Format: Card



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10051 - Corporate ACH Origination Quick Reference Card

This quick reference tool is what every company needs to highlight the "need to know information" about ACH! It includes commonly used Return Reason and Notification Codes, Standard Entry Class Codes, and a diagram of the ACH Network for easy, high-level understanding.

Format: Card



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592 - Corporate ACH User Quick Reference Cards

Electronic Version

This tool, modeled after the popular ACH Quick Reference Cards for Financial Institutions, is specifically designed for Corporate ACH users. This three-card series gives Originators fingertip access to critical information for the correct handling of ACH Returns, Dishonored Returns, Standard Entry Class (SEC) codes, Transaction codes and Notifications of Change (NOC). This is an ideal tool to assist with Originator education and rule compliance, which is a responsibility of the ODFI. These colorful and durable desktop reference cards provide ACH basics, including prenotifications, for the Originator along with the explanations for Return Reason codes, NOC codes, SEC codes, transaction codes and solutions for handling ACH exception entries. These quick reference cards are a great way to provide Originators tools now that the ACH Rules - Corporate Edition has been retired.
 
 
 
 

 



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569 - Guide to ACH Origination

Electronic Document

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


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50500 - Image & RDC Guide

Electronic

The purpose of the Image and Remote Deposit Capture Guide is to provide your institution with an overview of Check 21, remote deposit capture, image exchange, ACH check conversion, and to help you gain a better understanding of the best clearing options. Utilize this guide to decide if you should implement a branch capture or image exchange solution and how to offer a remote deposit capture product to your customers. Included is a sample FI/Company RDC Agreement; a sample RDC Risk Management Policy; and two sample RFP's just to name a few.

Format: Electronic



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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.

 



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40403 - Regulation E - Error Resolution Flow Chart

Error resolution, rights, liabilities and responsibilities are critical items you need to know when processing and resolving electronic funds transfers. This Regulation E flow chart will assist you and your dispute resolution staff in the steps they need to take to handle, process, and resolve Electronic Funds Transfers whether they are from a POS terminal, an A TM or from an ACH debit or credit. A valuable tool you will want to have at your fingertips.

Format: Card



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40400 - Returns Quick Reference Card

Electronic

Your operations staff will want this handy reference card to tum to when processing ACH returns. Listing the most frequently used return codes and categorizing them into easy-to-fin groups, this card provides important "must know" information specific to each code, such as: Return Timeframes, Written Statement of Unauthorized Debit (WSUD) Requirements, Codes Specific to Stop Payments and Represented Checks (RCK), Consumer or Non-Consumer Accounts, and Common Dishonored and Contested-Dishonored Returns. 

 



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27000 - Rules Review Guide for Originating Companies

Electronic

The ACH Risk Management.& Assessment NA CHA Rule Enhancement requires ODFis to document risk management practices when it comes to 'knowing the ACH customer' and understand the nature of the transactions that are being originated. It also requires additional provisions be added to the ODFVACH Originator agreement including the right to audit the originating customer. Are you a financial institution looking for a tool to help you perform an ACH audit of your originating customers or, are you, an originating company looking for a way to verify you are abiding by all the ACH Rules? UMACHA created a guide that provides an easy to follow form that should be filled out by the originating company which asks specific questions regarding the common ACH products used for ACH origination such as; WEB, TEL, ARC, BOC, POP, RCK, PPD credits, PPD debits, CCD and CTX entries. This form also provides specific information regarding the special ACH Rules for each product which can be used as a checklist to make sure originating companies are complying with all the requirements. Sample PPD written authorization forms and ACH check conversion authorization language are included in addition to a list of ineligible items for check conversion, a list of all ACH Return/NOC codes and a glossary of ACH terms.

 



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481 - Same Day ACH - A Guide to Opportunities and Implementation

This publication explores developments made possible by the advent of Same Day ACH. The publication delves into new product and service opportunities afforded FIs with Same Day ACH, as well as detailing steps to implementation and preparedness on an operational front.



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425G - Stop Payment Fillable PDF Form

This Electronic Stop Payment Request Order 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. This fillable PDF form contains all the necessary information your financial institution needs to easily comply with these requests.

Minimum system requirement - Adobe Reader.

All sales are final.

 



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65005 - The Return & Change Codes of the Nacha Operating Rules

This quick reference tool is what every ACH participant needs to assist with their day-to-day ACH Operations. In this unique "tennis court" design, you'll have all the Standard Entry Class (SEC) Codes (otherwise referred to as the forward ACH entry); plus, all the return reason codes, NOC codes, including timeframes allowed for each according to the ACH Rules, right at your fingertips!

Format: Card



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40401 - Unauthorized ACH Pre-Return Quick Reference Card

This tool was created to help your operations staff when facing a stop pay vs. Written Statement of Unauthorized Debit (WSUD) dilemma. One side was created to showcase all unauthorized return reason codes and their respective deadlines as well as the difference between consumer and non-consumer (business). On the reverse side, we have developed an easy to follow flow chart to help your operations staff determine requirements and their course of action. 8.5"xl 1 ". 2-sided. Durable.

Format: Card



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615 - Understanding Internet-Initiated ACH Debits & Credits – 3rd Edition

This recently updated publication reflects a changing ecommerce environment over the last several years, together with important changes to the WEB Rules – specifically, the Mobile ACH Payments Rule effective January 1, 2011 which incorporated ACH debits authorized and/or initiated via wireless networks into the pre-existing category of Internet-Initiated Entries (WEB), and the P2P Entries via ACH Rule, which allows the use of credit WEB Entries by Originators as of March 7, 2014, and requires the use of credit WEB Entries by March 20, 2015. Topics covered include; Authorization and Authentication; Originator Obligations; Risk Management; Electronic Bill Payment, and Person to Person Payments. 



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426G - Written Statement Fillable PDF Form

As an RDFI, you must have a completed Written Statement of Unauthorized Debit (WSUD) before returning a debit entry. The dated form has clear and concise information about what return reason code to use and is fully Nacha compliant. You have the capability to fill out the PDF form online or email it to your customer for them to complete and provide back to you.

Minimum system requirement - Adobe Reader

All sales are final.



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