Agreements, Guides & Quick Reference

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.

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!

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.

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

ACH Guide for Originators – Advanced

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)

ACH Originator Annual Letter (Sample)

Electronic Version -

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.

ACH Risk Management Handbook 8th Edition - ebook via App

Digital Access - The Flux Player app

This newly updated manual is an invaluable tool for any candidate studying for the AAP or APRP exams and for those preparing for ACH annual audits or examinations by regulatory agencies.

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 product utilizes a cloud-based third-party App (Flux Player) to launch access to the digital content. Once Flux Player is downloaded to your device and the purchased access code is redeemed, content is available for viewing, with no further internet connection required. The content can be accessed on up to two devices using the same app account. This product provides identical content display as the physical printed book and works on numerous operating systems and devices, including PC/Windows, Mac (OSX), Android phones and tablets, Apple IOS, and Kindle.

The Flux Player app has been updated to include the following user enhancements:

• Increased search capabilities within the document
• Content highlighting feature
• Inclusion of user notes/annotations on highlighted items
• Synchronization of user’s notes/highlights across all devices included on their account, where the content has been downloaded

** Flux Player does not allow for printing of this publication.

If your organization requires special permission to download and/or install programs, please contact your IT department for assistance.

Guide for Completing Your ACH Risk Assessment

Electronic Version

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. 

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

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

438 - Debit Card Quick Reference Cards

Electronic Version