Agreements, Guides & Quick Reference

ACH Origination Agreement (SFE)

Electronic Format

 

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.

Format: Electronic



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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 Third-Party Sender Agreement (SFE)

Electronic Format

 

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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686 - AgreementsNow! Business Online Bkg Cash Mgmt Master Svc Agmt

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 include on the document, but only the Master Agreement needs to be signed. Product schedules included on the document are:

  • ACH Origination including sample credit policy, 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 including RDC, checklist
  • Wire Transfer

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!

 



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456 - Remote Deposit Capture (RDC) Service Agreement - Corporate

Electronic Version

This sample agreement includes critical terms and conditions that should be addressed between your financial institution and your business RDC users. Please remember that all contracts and agreements should be reviewed by legal counsel prior to implementation. 



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425G - Stop Payment Fillable PDF Form

Electronic Version -

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.

 



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519 - AgreementsNow! Third-Party Service Provider Agreement

Electronic Version -

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.



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426G - Written Statement Fillable PDF Form

Electronic Version -

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, R51, and R53 returns.

Format: PDF



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

Electronic Version

The 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. Electronic Version



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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.

This guide is a “plain English" reference based on the Nacha Operating Rules & Guidelines and supplements more extensive resource materials. This guide references various in-depth resource materials and is not intended as a substitute for referencing and complying with the requirements published in the ACH Rules.

Format: (PDF)



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10050 - Corporate User ACH Origination Basics Electronic Guide

Electronic Version -

The purpose of this guide is to provide a high-level, easy-to-comprehend understanding of the Nacha Operating Rules and Guidelines for companies originating ACH transactions.  Also includes a sample letter for financial institutions to use in communicating the delivery of the guide to their corporate Originators.

Format: PDF



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10052 - ACH Originator Annual Letter (Sample)

Electronic Version -

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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414 - ACH Risk Management Handbook, 8th Edition

A Comprehensive Guide to Mitigating Risk

ACH participants must take action to control risk in any payment system - including the ACH Network. 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. This manual is an invaluable tool for individuals building or improving the Risk Management programs at their organization and for candidates studying for the AAP or APRP exams.



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539 - Guide for Completing a Third-Party Sender ACH Risk Assessment

Electronic Version

The Guide for Completing a Third-Party 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. Electronic Version

2024 Version Available Mid-March



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538 - Guide for Completing Your ACH Risk Assessment

Electronic Version

The 2023 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. 

This publication is copyrighted and purchase is good for one download/use. Contact Member Support for pricing on multiple downloads. This publication is formatted as a PDF document. Users must have access to Adobe Reader.
 
THIS PRODUCT IS INTENDED FOR INTERNAL USE BY FINANCIAL INSTITUTIONS ONLY. EACH PURCHASE IS INTENDED FOR USE BY A SINGLE FINANCIAL INSTITUTION.


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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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563 - Managing ACH Credit Risk Guide

Electronic Version -

This groundbreaking publication (formerly the Guide to Establishing ACH Exposure Limits) was the first of its kind in the payments space - a collection of real-life best practices for managing ACH credit risk and establishing ACH exposure limits, gathered from member financial institutions of all sizes.



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27000 - Rules Review Guide for Originating Companies

Electronic Version -

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

 



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560 - ACH Quick Reference Cards for Financial Institutions

Electronic Version -

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. 
 
Format: PDF


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561 - ACH Quick Reference Guide

Electronic Version -

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. 

Format: PDF

 



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592 - ACH Quick Reference Cards for Corporate Users

Electronic Version -

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. 
 
Format: PDF
 
 
 
 

 



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438 - Debit Card Quick Reference Cards

Electronic Version

 
These cards are a "must-have" for your operations area. The set includes helpful information on Regulation E liability and timeframes, chargebacks, definitions and contacts. Various types of card fraud including skimming, identity theft, telemarketing fraud and phishing are explained. Two new cards have been added to include information on EMV and Mobile Wallets. These cards make a great training tool and have been updated to include new chargeback codes!

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

 



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