Rules Publications

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406 - 2022 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.

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406OL - 2022 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. 

Please Note: All digital purchases are final.

Annual publication December 31, 2021 – December 31, 2022

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406DA - 2022 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. 

Please Note: All digital purchases are final.

Annual publication December 31, 2021 – December 31, 2022

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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 Core Concepts: A Study Guide
AAP Flashcards
ACH Compliance Manual
ACHPro Online
ACH Product & Marketing Handbook
ACH Quick Reference Cards for Financial Institutions
ACH Rules Book Online
Desk Reference Card
Revised UCC4A and the ACH System

$500 when SFE Members purchase as a package - a savings of $185!



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562 - ACH Agreements and Tools

Electronic Version

Streamline your ACH Originator onboarding and ongoing processes with this handy toolkit. Includes user-friendly documents that can be customized to fit the processing arrangement with each Originator. 

Includes: Sample ODFI/Originator Agreement; Sample Third-Party Sender Agreement; Sample Same Day ACH Agreement; Sample ACH Authorizations; Sample Origination Schedules; File Transmission Calendar; ACH File Control Log. 

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



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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.

 

 



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673 - ACH Management Policies

Downloadable Word Document

Having thorough and well-documented ACH policies are crucial to maintaining compliance with the ACH Rules and other applicable rules and regulations. Our user-friendly tool will help you tailor an ACH Management Policy according to your financial institution's involvement in the ACH Network. Includes a mapping tool and document retention table to aid in implementing policies throughout your ACH processes. (2019)

Includes: ACH Management Policy; Retention of ACH Documents Table; ACH Process Mapping (2019)
This publication is formatted as a PDF document. Users must have access to Adobe Reader.


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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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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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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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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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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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559 - IAT Quick Reference Cards for the RDFI


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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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474 - Navigating the Simplified Nacha Operating Rules


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433 - Operating Rules of the National Association for Check Safekeeping

Rules governing check safekeeping and truncation, including rights and obligations of participants, keepers, paying bank, facility, clearing house; media and format specifications; adjustment and return procedures. For financial institutions and processors.



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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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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

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