Agreements, Guides & Quick Reference
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.
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!
Have your customers requested Drawdown/Reverse Wire services? If so, we have a solution for you! We have created a Reverse Wire Transfer Standalone Agreement that can be deployed separately or as an addendum to our Wire Transfer Standalone Agreement for this service request. This electronic solution is provided in an editable Microsoft Word document and contains the key components that should be in every service agreement. The contents and price make this a very cost-effective option for facilitating compliance and providing peace of mind.
This sample agreement includes critical terms and conditions that should be addressed between your financial institution and your consumer RDC users. Please remember that all contracts and agreements should be reviewed by legal counsel prior to implementation.
This sample agreement includes critical terms and conditions that should be addressed between your financial institution and your business RDC users. Please remember that all contracts and agreements should be reviewed by legal counsel prior to implementation.
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.
Are you an institution looking to take on Third-Party Sender relationships? Are you a Third-Party Sender that is trying to formalize your ACH documentation? This Third-Party Sender Bundle includes a Third-Party Sender/Originator Agreement, sample client list to provide to your ODFI (or to request from your Third-Party Senders), sample Originator Application, Originator Assessment and Annual Review, an ACH Third-Party Sender Audit and Risk Assessment, among others.
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
All sales are final.
The ACH Audit Guide for Third-Party Service Providers and Third-Party Senders is a publication designed to assist the third-party in completing an annual ACH audit as required by the Nacha Operating Rules. This is a working document that will walk you through the steps of completing an ACH Rules Compliance Audit along with reviewing sound business practices, related compliance areas, online banking products, and government benefit payments. An audit preparation checklist is included to assist in gathering information needed for review. The document includes tools to help the auditor understand ACH participants, payment applications, and recent revisions to the Nacha Operating Rules. Electronic Version
Available: April 2022
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 publication explores strategies and solutions for extending ACH products and services to financial institutions' business and consumer customers. Supporting increased understanding of ACH marketing and sales opportunities, the publication is written to help financial institutions in marketing and using ACH services in support of their business, government and consumer customers.
A Comprehensive Guide to ACH Risk Issues and Control Procedures
ACH participants must take action to control risk in any payment system — including the ACH Network. The 7th edition explains the types of ACH payments risk, assesses the operational implications and provides sound business practices for developing an effective 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.
The Guide for Completing a Third-Party ACH Risk Assessment is a publication designed to assist in completing a step-by-step assessment. Each Third-Party Sender is required to perform a risk assessment of their ACH activities and implement a risk management program in accordance with the requirements of the Nacha Operating Rules. Individual sections within the document address: risk management systems & controls, credit risk, high-risk activities and direct access to the ACH Operator, compliance and transaction risk, vendor & third-party management, information technology & 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. Electronic Version
Available: April 2022
The 2022 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 their ACH activities and implement a risk management program in accordance with the requirements of their 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.
The purpose of the Healthcare EFT Standard Implementation Guide is to provide the healthcare industry with information on payment processing between the Health Plan to the Provider and for implementing the healthcare EFT Standard for Stage 1 Payment Initiation, as defined by the Standards for Healthcare Electronic Funds Transfers (EFTs) and Remittance Advice. Chapters cover: The Healthcare EFT Standard at a glance; Nacha, the Nacha Operating Rules, and changes to support healthcare EFT payments; ACH Network fundamentals; ACH formatting requirements; healthcare EFT and ERA operating Rules; and Resources.
Nacha rules will require every ACH payment entering or exiting the United States to be identified and formatted as an International ACH Transaction (IAT) and EACH transaction must be reviewed for OFAC compliance. All U.S. financial institutions are affected by this rule, even those that do not currently send or receive international ACH payments as any financial institution may potentially receive an IAT transaction. Every financial institution needs to understand how it is impacted by the new Nacha rule. Penalties for non-compliance with OFAC's regulations can be severe.
Table of Contents
- Overview - IAT Executive Summary
- Why does this apply to your organization
- OFAC Obligations
- FI Responsibilities
- Communications with the Corporate Originator
- Best practices
- Frequently asked questions
- IAT scenarios
- Technical standards and mapping
- IAT and International Payment Standards
- Resources section
This groundbreaking publication (formerly the Guide to Establishing ACH Exposure Limits) was the first of its kind in the payments space - a collection of real-life best practices for managing ACH credit risk and establishing ACH exposure limits, gathered from member financial institutions of all sizes.
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.
Updated for 2021, these Quick Reference Cards for Exception Handling provide easy reference to a range of Nacha Rules and other regulatory requirements, including:
- Returns, Dishonored Returns, and Corrected/Contested Dishonored Returns
- Error Resolution and Stop Payments
- Government Returns
- Notification of Change (NOC) and Refused NOC
- ACH Operator and Gateway Returns
- Returned Check (RCK) Entry Returns
- Corporate Entry Returns
- Transaction Codes, Record Retention, and Glossary
- How to complete a Written Statement of Unauthorized Debit form
When processing check payments, there are multiple ways to resolve check exceptions: Returns (Customer and Administrative), Rule 8 & Rule 9 Claims, Adjustments and Warranty Breach Claims. This guide will highlight the information needed to process these exceptions and how you can mitigate your risk of losses by performing tasks in a timely manner. Return codes and adjustments are provided in an easy-to-read chart that combines essential information from Accredited Standards Committee X9, ECCHO Operating Rules and Federal Reserve. Updated 2019