Agreements, Guides & Quick Reference
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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
AgreementsNow! Business Online Banking Cash Management Master Service Agreement
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! Remote Deposit Capture Agreement
Electronic Format
Electronic Publication: Updated to include expanded security language! A strong legal agreement is as critical to your RDC success as any other component of this popular service. This is a customizable Microsoft Word document that addresses the core terms and conditions between FI and the customer. The agreement covers RDC using Check 21 capabilities, and when combined with our ACH Origination Agreement, covers the use of RDC with the ACH Network.
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
AgreementsNow! Third-Party Service Provider Agreement
Electronic Format
Electronic Publication: As originators look to use third-party service providers for their ACH needs, the ODFI needs to ensure that all parties are informed and accountable for their obligations under the rules, regulations, and laws governing ACH. This product is designed to provide a comprehensive service agreement between ODFI, the originator, and the third-party service provider. The electronic document contains a customizable Microsoft Word document that includes critical terms and conditions between these parties.
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.
Written Statement Fillable PDF Form
Electronic Format
Electronic Publication: The most thorough and convenient WSUD there is! RDFIs are required to obtain a completed Written Statement of Unauthorized Debit (WSUD) from a Receiver before returning a debit entry because it was unauthorized; the authorization was revoked; the item was not initiated in accordance with the terms of the authorization; or the item was improperly initiated according to requirements of the Nacha Operating Rules.
ePay's fillable PDF WSUD form contains clear and concise descriptions about why the item is being returned and what return reason code to use in each situation. The form can be completed online or emailed to the Receiver for them to fill out and send back to you. Includes a detailed companion document to ensure you are compliant for all R05, R07, R10, R11, R37, R51, and R53 returns.
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 Audit Guide
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.
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 – 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 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
ACH Originator Annual Letter (Sample)
Electronic Format
Electronic Publication: Specifically crafted for Originating Depository Financial Institutions (ODFIs), this letter serves as an annual engagement tool with ACH Originators. It provides instructions on accessing the Nacha Operating Rules online and includes a comprehensive breakdown of the 2024 Federal Reserve Bank holidays. The letter is provided in a Word document format, offering ODFIs the flexibility to seamlessly integrate any additional pertinent information from their ACH origination education program into the letter.
This publication is formatted as a Word document.
Format: Word
ACH Risk Management Handbook, 9th Edition
Hardcopy
Hardcopy: The newly updated 9th edition offers essential insights into Nacha’s strategies for identifying and mitigating risks associated with ACH payments. This publication provides comprehensive recommendations for developing an effective risk management program tailored for organizations involved in ACH transactions. Importantly, the threats to ACH payments are not unique to the ACH Network; the lessons learned can be applied to create a holistic payments risk management program. The edition includes the latest 2024 Rules focusing on credit push fraud and offers methods to address evolving fraud tactics. Additionally, real-world case studies in each chapter illustrate practical applications of the concepts discussed, helping organizations evaluate and enhance their risk management practices.
Guide to ACH Origination
Electronic Format
Image & Remote Deposit Capture (RDC) Guide
Electronic Format
Electronic Publication: This guide contains the following attachments:
- 51-page Image & RDC Guide for the Financial Institution
- Sample Mobile Deposit Risk Management Policy
- Sample Merchant Capture Risk Management Policy
- Sample Corporate RDC Limit Review Form
- Sample Merchant Capture Service Agreement
- Sample Mobile Deposit Agreement
- Glossary of Terms
- Website Links for RDC Resources
Format: PDF/Word
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 Cards for Corporate Users
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
Check Returns & Adjustments Quick Reference Guide
Electronic Format
UCC Quick Reference Card
Electronic Format
The Uniform Commercial Code (UCC), Articles 3 and 4 first published in 1952, is a set of standardized state laws that govern business and financial contracts that establishes general duty standards for parties to act in good faith and exercise ordinary care in their transactions across the United States of America (U.S.) through UCC adoption by all 50 states, the District of Columbia, and the Territories of the United States. Together with case law, Articles 3 and 4 document legal boundaries for most aspects of check processing.
This Quick Reference Card outlines the key topics in the UCC Articles 3 and 4 with a brief description of each and the location of the UCC Reference. Together with case law, Articles 3 and 4 document legal boundaries for most aspects of check processing.
Debit Card Quick Reference Cards
Electronic Version
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
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