ACH Resources

ACH Origination Agreement (SFE)

Electronic Format

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.

Format: Electronic

ACH Origination Third-Party Sender Agreement (SFE)

Electronic Format

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.

560 - ACH Quick Reference Cards for Financial Institutions

Electronic Version -

592 - ACH Quick Reference Cards for Corporate Users

Electronic Version -

ACH Audit Guide for Third-Party Service Providers & Third-Party Senders

Electronic Version

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.

Format: Electronic Version

THIS PRODUCT IS INTENDED FOR INTERNAL USE BY Third-Party Service Providers & Third-Party Senders ONLY. EACH PURCHASE IS INTENDED FOR USE BY A SINGLE Third-Party Service Providers or Third-Party Senders.

ACH Compliance Manual - 11th Edition

Hardcopy

An essential tool to ensure compliance with the Nacha Operating Rules & Guidelines, the 11^th 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. Buy now to seamlessly grasp the Rules’ impact on all ACH Network participants.

This manual is an invaluable tool for any candidate studying for the AAP or APRP exams and for those preparing for ACH annual audits or examinations by regulatory agencies. 

ACH Risk Management Handbook, 8th Edition

Hardcopy

This newly updated manual is an invaluable tool for any candidate studying for the AAP or APRP exams and for those preparing for ACH annual audits or examinations by regulatory agencies.

The 8th edition provides the latest information on Nacha’s strategies to identify and mitigate risks and provides recommendations for developing an effective risk management program for any organization involved in the creation or processing of ACH transactions. The threats to ACH payments are not unique to the ACH Network and the lessons learned can be applied to create a holistic payments 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.

Guide for Completing a Third-Party Sender ACH Risk Assessment

Electronic Version

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

Format: Electronic Version

THIS PRODUCT IS INTENDED FOR INTERNAL USE BY Third-Party Senders ONLY. EACH PURCHASE IS INTENDED FOR USE BY A SINGLE Third-Party Sender.

ACH Guide for Originators – Advanced

Electronic Version -

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 guide is a “plain English" reference based on the Nacha Operating Rules & Guidelines and supplements more extensive resource materials. This guide references various in-depth resource materials and is not intended as a substitute for referencing and complying with the requirements published in the ACH Rules.

Format: (PDF)

ACH Origination Agreement (SFE)

Electronic Format

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.

Format: Electronic

ACH Origination Third-Party Sender Agreement (SFE)

Electronic Format

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.

592 - ACH Quick Reference Cards for Corporate Users

Electronic Version -

50500 - Image & RDC Guide

Electronic

The purpose of the Image and Remote Deposit Capture Guide is to provide your institution with an overview of Check 21, remote deposit capture, image exchange, ACH check conversion, and to help you gain a better understanding of the best clearing options. Utilize this guide to decide if you should implement a branch capture or image exchange solution and how to offer a remote deposit capture product to your customers. Included is a sample FI/Company RDC Agreement; a sample RDC Risk Management Policy; and two sample RFP's just to name a few.

Format: Electronic

27000 - Rules Review Guide for Originating Companies

Electronic Version -

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

Third-Party Senders & the ACH Network 4th Edition - ebook via App

Digital Access - The Flux Player app

This 4th Edition update provides a review of the variations in legal requirements and processing obligations relating to the origination of ACH entries when a Third-Party Sender is involved in the origination of transactions through the ACH Network. This edition reflects the latest Nacha Operating Rules changes, offers real-world examples of Third-Party Sender relationships, and includes sound business practices, risk management topics, and a checklist of issues to be addressed by ODFIs, Originators, and Third-Party Senders in processing agreements. Third-Party Senders and ODFIs partnering with and managing these organizations will benefit from the information discussed.

This product utilizes a cloud-based third-party App (Flux Player) to launch access to the digital content. Once Flux Player is downloaded to your device and the purchased access code is redeemed, content is available for viewing, with no further internet connection required. The content can be accessed on up to two devices using the same app account. This product provides identical content display as the physical printed book and works on numerous operating systems and devices, including PC/Windows, Mac (OSX), Android phones and tablets, Apple IOS, and Kindle.

The Flux Player app has been updated to include the following user enhancements:

• Increased search capabilities within the document
• Content highlighting feature
• Inclusion of user notes/annotations on highlighted items
• Synchronization of user’s notes/highlights across all devices included on their account, where the content has been downloaded

** Flux Player does not allow for printing of this publication.

If your organization requires special permission to download and/or install programs, please contact your IT department for assistance.

ACH Policies & Procedures Guide

Electronic Format

Don't go into your next examination with incomplete policies and procedures! The 2024 ACH Policies & Procedures Guide is a comprehensive template built for financial institutions. There has yet to be as complete a set of policies, procedures, and supplements available to DFIs for ACH. The expert authors believe strongly that sample policies are not effective therefore this Guide allows for personalization in each area that a financial institution should make a business decision. Customization is easy in this electronic format. (Electronic Version Only)

Format: Electronic

Please Note: This product will be available in mid-March 2024.