Accredited ACH Professional           AAP Logo - 2025
(AAP) Certification Program 

Become a leader and authority in the electronic payments industry!

Since its inception in 1993, the AAP Program has recognized 4,200+ ACH professionals. As an AAP, you will join this elite group of professionals who are recognized for their ACH payments expertise.

AAP Exam Dates: Monday, October 6, 2025  - Saturday, November 1, 2025

AAP Topic Areas (Exam Blueprint):

  • ACH Operations
  • Rules & Regulations
  • Risk Management
  • ACH File Formatting
  • Other Payment Systems

Click Here to Register for the 2025 AAP Exam Prep Program!

Cost - $1,295 Members / $2,590 Non-Members 

Our 2025 AAP Exam Prep Package provides study resources for the exam, including an interactive reading program with biweekly webinars.  Also included in the AAP Exam Prep Program is our 3-hour webinar - AAP Exam Review, the AAP Preparation Publications Package, and an Accredited ACH Professional from the SFE team for email and telephone support. All webinars are recorded and available anytime after the dates below.

This program is excellent for those aspiring to be an AAP, but you do not have to be registered for the current AAP exam to enroll in the AAP Exam Prep Program.

Webinars will be held from 1 PM - 2:30 PM CT on the following dates:
May 15 Kickoff & Orientation
May 29  Rules and Guidelines:  General Information: Article One, OG Chapters 1-3, 38-43, Appendix A & B
June 12  Rules and Guidelines:  SEC Codes: OG Chapters 44-51
June 26 Rules and Guidelines:  ODFIs, Originators, & TPSPs;  Article Two, OG Chapters 5-21, Chapter 52
July 10  Rules and Guidelines:  RDFIs & Operators; Articles 3-6, OG Chapters 22-35, 55-57
July 24 Rules and Guidelines:  ACH File Specifications; Appendix 1-3; OG Appendix  J, K
August 7  Rules and Guidelines:  Return Entries, NOCs, & Acknowledgements: Appendix 4-6, 10, Article 7
August 21 Rules and Guidelines:  The Green Book, Chapters 2-7
September 4  Rules and Guidelines:  Compensation, Arbitration, Rules Enforcement: Appendix 7-9, OG Chapters 4, 58
September 11 

Nacha's AAP Handbook

September 23-24, 2025
9:00am-10:30am CT

AAP Exam Review 

 

View So You Think You Want To Become an AAP? to learn more about what to expect and how to prepare.


The APRP Preparation Publications Package is included as part of the APRP Exam Prep Package. The package includes the following publications:

  • ACH Rules Book –  Online Resource Code or eBook via App
  • ACH Compliance Manual – eBook via App
  • Revised Uniform Commercial Code Article 4A and the ACH System – eBook via App
  • AAP Flashcards – Electronic Version
  • ACHPro™ (Online) – Electronic Version
  • ACH Quick Reference Cards for Financial Institutions - Electronic Version

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 mobile device with enhanced product features:

  • Customized Bookmarking
  • Keyword/Phrase Search
  • Copy options
  • Printing options

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, 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.


* The AAP Preparation Publications Packages in electronic formats are now included as part of the AAP Exam Prep Program.  

Click here - To purchase the AAP Preparation Publications Package.

 

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)


Testimonials

"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

Click here to learn more about the AAP Exam.

 

Professional Development