Rules Publications

AAP Preparation Publications Packages

Various Formats

ACH Origination Agreement (SFE)

Electronic Format

Electronic Publication: 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.

This publication is formatted as a Word document.

Format: Word

ACH Origination Third-Party Sender Agreement (SFE)

Electronic Format

Electronic Publication: 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.

This publication is formatted as a Word document.

Format: Word

2024 Nacha Operating Rules & Guidelines - Various Formats

Various Formats

Hardcopy: 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 expand 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.

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, Apple 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.

Note: All digital purchases are final.

Annual access to these publications runs from December 31, 2023 – December 31, 2024.

ACH Guide for Originators – Advanced

Electronic Format

Electronic Publication: Formerly known as the ACH Corporate User Guide, this comprehensive guide aims to empower ACH Originators by offering a nuanced exploration of the ACH Network, unraveling its history, key participants, and operational dynamics. It examines Originator responsibilities, and not only outlines preliminary requirements for establishing a robust ACH program but also provides in-depth insights into fundamental ACH operations. In addition, it addresses implementation concerns surrounding specific ACH payment applications, making it an indispensable resource for organizations navigating the intricacies of electronic payments.

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

Format: PDF

ACH Origination Agreement Checklist for FI's

Electronic Format

Electronic Publication: 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 operates. This checklist may not appropriately address all the laws or regulations specific to the state where your Financial Institution is located and is not intended to constitute legal advice.

Format: Electronic Access Code

UCC Quick Reference Card

Electronic Format

Guide to ACH Origination

Electronic Format

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.

Stop Payment Fillable PDF Form

Electronic Format

Electronic Publication:  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.