Certification Preparation
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AAP Preparation Publications Packages
Various Formats
AAP Preparation Publications Package includes:
- ACH Rules Book – Online Resource Code, or eBook via App
- ACH Compliance Manual – eBook via App
- Revised Uniform Commercial Code Article 4A and the ACH System – eBook via App
- AAP Flashcards – Electronic Version
- ACHPro™ (Online) – Electronic Version
- ACH Quick Reference Cards for Financial Institutions - Electronic Version
* The AAP Flashcards, ACHPro™ (Online), and ACH Quick Reference Cards for Financial Institutions are available electronically only.
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.
ACH Quick Reference Cards for Financial Institutions
Electronic Format
2025 Nacha Operating Rules & Guidelines - Hardcopy
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.
AAP Flashcards
Electronic Format
Electronic Publication: You can now access one of our most popular study aids virtually, making it easier to fit valuable study time into your busy schedule! No need to lug around bulky paper flashcards. Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool includes five electronic flashcards "decks," each based on one of the five focus areas of the AAP exam. Choose to study one focus area at a time or all areas together. Enjoy all the features of traditional flashcards such as easily flipping through cards and tracking your progress but with additional functionality that allows you to rate your comfort level with topics and utilize spaced repetition to better reinforce your knowledge.
Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.
Format: Electronic Access Code
ACH Compliance Manual - 11th Edition - Various Formats
Various Formats
Hardcopy: An essential tool to ensure compliance with the Nacha Operating Rules & Guidelines, the 11th edition offers crisp insights into authorizations, processing, and more from Nacha’s subject matter experts. Stay current with recent Rule changes on Micro-Entries and Third-Party Sender shifts and authorization updates. Whether you’re new to the payments industry or a seasoned professional, this offering simplifies complexities, provides insightful compliance tips, and includes a glossary and references to other valuable resources.
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.
ACHPro (Online)
Electronic Format
Electronic Publication: ACHPro™ is a self-paced, computer-based training program developed to increase your knowledge of the ACH. ACHPro™ has been developed to promote knowledge of the ACH network. This tool can be used to evaluate your level of expertise of the ACH and related payment systems and to identify those areas that may require additional development. ACHPro™ was designed to make learning fun.
ACHPro™ Challenges your knowledge in two ways: Game Mode & Test Mode
ACHPro™ Game Mode is a fun, interactive program, which tests your skills in six competency areas:
• Payment Systems
• Marketing ACH
• Risk and the ACH
• ACH Rules and Regulations
• ACH Processing
• ACH Technical Requirements
Organized around the game board, you can play the practice game-winning game money and get coached along the way with feedback on your answers.
In the ACHPro™ Test Mode timed test, you will complete all the questions and receive a score rating your performance in each category. The test is all multiple-choice, and you will complete a "blacken the dot" form as you answer questions, just like in a real standardized test situation.
So, whether you are looking to brush up on your payment systems skills or start a foundation that you can build upon, ACHPro™ is an essential tool for your professional development.
User Access opens in early May and closes on December 31, 2025.
Registration closes on November 1, 2025.
2025 Nacha Operating Rules & Guidelines - Online Resource Code
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
Note: All digital purchases are final.
Annual access to these publications runs from December 31, 2024 – December 31, 2025.
2025 Nacha Operating Rules & Guidelines - via App(E-book)
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, 2024 – December 31, 2025.
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.
Revised Uniform Commercial Code Article 4A and the ACH System - 4th Edition
Various Formats
Hardcopy: The refreshed 4th Edition contains new statistics and evaluates the impact of the UCC 4A on security procedures, bank/corporate agreements, recommended contractual provisions, errors, unauthorized entries, and more. Includes Article 4A (law unchanged) with staff commentary. For financial institutions and corporations that handle ACH wholesale credits.
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.
APRP Preparation Publications Package
Various Formats
The Accredited Risk Payments Professional (APRP) designation distinguishes its bearers as members of an elite corps of payments system professionals. To assist you in preparing for the APRP examination, administered once in the fall each year, the following recommended texts are offered:
APRP Preparation Publications Package includes:
- ACH Rules Book – Hardcopy, Online Resource Code, or eBook via App
- ACH Compliance Manual – Hardcopy or eBook via App
- Revised Uniform Commercial Code Article 4A and the ACH System – Hardcopy or eBook via App
- ACH Risk Management Handbook - 8th Edition – Hardcopy or eBook via App
- APRP Flashcards – Electronic Version
- RiskPro™ (Online) – Electronic Version
* The ACH Rules Book (Annual access to this publication runs from December 31, 2024 – December 31, 2025.), ACH Compliance Manual, ACH Risk Management Handbook, and the Revised Uniform Commercial Code Article 4A and the ACH System are available in various formats. Such as Hardcopy, Online Resource Code, or eBook via App.
* The APRP Flashcards and RiskPro™ (Online) are available electronically only.
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.
2025 Nacha Operating Rules & Guidelines - Hardcopy
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.
ACH Compliance Manual - 11th Edition - Various Formats
Various Formats
Hardcopy: An essential tool to ensure compliance with the Nacha Operating Rules & Guidelines, the 11th edition offers crisp insights into authorizations, processing, and more from Nacha’s subject matter experts. Stay current with recent Rule changes on Micro-Entries and Third-Party Sender shifts and authorization updates. Whether you’re new to the payments industry or a seasoned professional, this offering simplifies complexities, provides insightful compliance tips, and includes a glossary and references to other valuable resources.
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.
RiskPro (Online)
Electronic Format
Electronic Publication:RiskPro™ is a self-paced, computer-based training program developed to increase your knowledge of payments risk. RiskPro has been developed to promote knowledge of the risk payments systems pose to the industry. RiskPro was designed to make learning fun.
Why Should You Purchase RiskPro™?
Updated annually to reflect the latest changes in the payments landscape and the risks they pose, the program is valuable for payments professionals, risk professionals, and new employees alike. Challenge yourself and test your knowledge using RiskPro's™ game and scorekeeping features or use it to train others.
RiskPro™ Challenges your knowledge in two ways: Game Mode & Test Mode
RiskPro™ Game Mode is a fun, interactive program, which tests your skills in six competency areas:
• Payments Risk
• Fundamentals of Risk Management
• Risk Policy and Governance
• Risk Management and Controls
• Physical and Information Security
• Regulatory Environment
Organized around the game board, you can play the practice game-winning game money and get coached along the way with feedback on your answers.
In the RiskPro™ Test Mode timed test, you will complete all the questions and receive a score rating your performance in each category. The test is all multiple-choice, and you will complete a "blacken the dot" form as you answer questions, just like in a real standardized test situation.
So whether you are looking to brush up on your payment systems skills or start a foundation that you can build upon, RiskPro™ is an essential tool for your professional development.
User Access opens in early April and closes December 31, 2025.
Registration closes on August 30, 2025.
APRP Flashcards
Electronic Format
Electronic Publication: You can now access our APRP flashcards virtually, making it easier to fit valuable study time into your busy schedule! No need to lug around bulky paper flashcards. Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool includes six electronic flashcard "decks," each based on one of the six focus areas of the APRP exam. Choose to study one focus area at a time or all areas together. Enjoy all the features of traditional flashcards such as easily flipping through cards and tracking your progress but with additional functionality that allows you to rate your comfort level with topics and utilize spaced repetition to better reinforce your knowledge. Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.
Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.
Format: Electronic Access Code
2025 Nacha Operating Rules & Guidelines - Online Resource Code
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
Note: All digital purchases are final.
Annual access to these publications runs from December 31, 2024 – December 31, 2025.
2025 Nacha Operating Rules & Guidelines - via App(E-book)
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, 2024 – December 31, 2025.
Revised Uniform Commercial Code Article 4A and the ACH System - 4th Edition
Various Formats
Hardcopy: The refreshed 4th Edition contains new statistics and evaluates the impact of the UCC 4A on security procedures, bank/corporate agreements, recommended contractual provisions, errors, unauthorized entries, and more. Includes Article 4A (law unchanged) with staff commentary. For financial institutions and corporations that handle ACH wholesale credits.
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.
So You Think You Want To Become An NCP?
On-Demand
Have you thought about becoming a National Check Professional? By attending this session you will understand the value in becoming an NCP. We will show you what the exam consists of and what you need to do to prepare for the upcoming exam. It is not too early to start preparing for the exam which will be given later this spring. Attend this session and kick-start your preparation!
Check/RDC Quick Reference Cards
Electronic Format
Electronic Publication: This handy set of cards explores the commonly used adjustment investigation types, duplicate situations, and how the Regulation CC Remote Deposit Capture (RDC) Indemnity can help, the account holder's duty to discover and report an unauthorized signature or alteration and key elements of the FFIEC Guidance related to RDC. Ensure your staff always has a need-to-know check and RDC information within fingertip reach and stands ready to handle difficult exception items such as altered, counterfeit, and forged checks. Key topics covered include Check 21 expedited recredit provisions, exception holds, return reason codes, commonly used FRB adjustment information and RDC risk management tips.
Check/Image Flashcards
Electronic Format
Electronic Publication: You can now access one of our most popular study aids virtually, making it easier to fit valuable study time into your busy schedule! There is no need to lug around bulky paper flashcards. Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool includes six electronic flashcard "decks," each based on one of the six focus areas of the NCP Exam. Choose to study one focus area at a time or all areas together. Enjoy all the features of traditional flashcards such as easily flipping through cards and tracking your progress but with additional functionality that allows you to rate your comfort level with topics and utilize spaced repetition to better reinforce your knowledge.
Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.
Format: Electronic Access Code
CheckPro™ (Online)
Electronic Format
Electronic Publication: Whether studying for the NCPC exam or keeping current with professional development, CheckPro™ is the tool that gets you where you are going. CheckPro™ has been specifically designed to help you master the changing check landscape and related payment systems. Covering 4 essential knowledge areas: Fraud and Risk, Operations, Products and Rules, Laws, and Regulations, CheckPro™ contains all the extra practice and information you need to be a successful Check Professional.
User Access opens in February and closes on December 31, 2025.
Registration closes on May 10, 2025.
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Check out two new publications to support check operations: Check Returns & Adjustments Quick Reference Guide and UCC Quick Reference Card (2024).
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