Agreements, Guides & Quick Reference

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

AgreementsNow! Business Online Bkg Cash Mgmt Master Svc Agmt

Electronic Format

Electronic Publication: 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 included in the document, but only the Master Agreement needs to be signed. Product schedules included in the document are:

• ACH Origination including 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
• Wire Transfer
• Reverse Wire

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!

This publication is formatted as a Word document.

Format: Word

AgreementsNow! Wire Transfer Agreement

Electronic Format

Electronic Publication:  Have you recently examined the merit of your current Wire Transfer agreements, or are you planning to expand this service with your business customers or members? If so, then you'll want to have this Wire Transfer Agreement to deploy to your Wire Transfer users. This electronic document contains a modifiable Microsoft Word document that addresses today's concerns for any Financial Institution that offers this service.

This publication is formatted as a Word document.

Format: Word

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.

ACH Risk Assessment Workbook

Electronic Format

Electronic Publication: Designed to assist Financial Institutions, both RDFIs and ODFIs, in addressing ACH risk, this workbook covers risk obligations as defined in OCC Bulletin 2006- 39, ACH Risk Management Guidance, the FFIEC Retail Payment Systems IT Examination Handbook and current ACH Rules. Chapters include System and Controls, Credit Risk, High-Risk Activities, Compliance Risk, Third-Party Service Providers, Fraud Risk, Operational and Transaction Risk, and Information Technology Risk. Recent updates address data security, personnel practices, physical security, operational controls, credit risk related to Originator due diligence and Business Continuity planning and testing. By completing user-friendly worksheets, this workbook will identify strengths and weaknesses in your existing ACH risk management program and assist with the development of a comprehensive risk management program. Compliance officers, audit personnel and operations staff will find this to be a valuable tool. 

Third-Party Sender ACH Risk Assessment Workbook

Electronic Format

Electronic Publication: The Third-Party Sender ACH Risk Assessment Workbook is designed to assist Third-Party Senders of all types in addressing their ACH risk. Content of the Workbook includes risk obligations as defined in the OCC Bulletin 2006-39, ACH Risk Management Guidance, the FFIEC Retail Payments Systems' IT Examination Handbook, FFIEC Guidance to Internet Banking and the current Nacha Rules. By answering yes, no, or not applicable, this Workbook will identify strengths and weaknesses in your existing ACH risk management program. Individual chapters address System and Controls, Credit Risk, Compliance Risk, High-Risk Activities, Third-Party Service Provider Risk, Operational & Transaction Risk and Information Technology Risk. EPCOR’s Third-Party Sender ACH Risk Assessment Workbook guides you in evaluating the Third-Party Sender’s risks by asking thought-provoking questions about its current ACH policies, procedures and processes. The 2025 Third-Party Sender ACH Risk Assessment Workbook has been updated for the 2025 Nacha Rules User-friendly worksheet questions are easily answered and include room for comments, to assist in developing a comprehensive ACH risk management program for your company. Compliance officers, audit personnel and operations staff within your organization will find the Workbook a valuable tool. 

Note: This product is intended for One-Time Use Only by Third-Party Senders. This publication is copyrighted and the purchase is good for one use. All digital purchases are final.

ACH Guide for Originators – Basic

Electronic Format

Electronic Publication: Formerly known as the Corporate User ACH Origination Basics Guide, the purpose of this guide is to offer corporate ACH Originators a high-level understanding of the Nacha Operating Rules and Guidelines, crafted with the corporate end-user in mind. The guide discusses topics such as ACH Network participants, products (including the PPD, CCD, and WEB Standard Entry Class Codes), authorization requirements (including sample authorization forms), returns, Notifications of Change, and more. Upon purchasing this guide, you will also receive a sample letter that can be utilized when providing this resource to your ACH Originators.

Format: PDF

Guide to ACH Origination

Electronic Format

ACH Rules Review Guide for Originators

Electronic Format

Electronic Publication: 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

Format: PDF/Word

ACH Quick Reference Cards for Financial Institutions

Electronic Format

ACH Quick Reference Guide

Electronic Format

Electronic Publication: 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.

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

Format: PDF

UCC Quick Reference Card

Electronic Format