Publications

Rules Publications

2017 NACHA Operating Rules & Guidelines

The 2017 NACHA Operating Rules use clear, straightforward and consistent language throughout to help you understand them more easily and to assist you in finding the information you need. The 2017 NACHA Operating Guidelines contain complete discussions of each ACH Network participant type and its role and obligations in the ACH Network.

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2017 NACHA Operating Rules & Guidelines CD

The 2017 NACHA Operating Rules use clear, straightforward and consistent language throughout to help you understand them more easily and to assist you in finding the information you need. The 2017 NACHA Operating Guidelines contain complete discussions of each ACH Network participant type and its role and obligations in the ACH Network.

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2017 NACHA Operating Rules & Guidelines - Online Only

The 2017 NACHA Operating Rules use clear, straightforward and consistent language throughout to help you understand them more easily and to assist you in finding the information you need. The 2017 NACHA Operating Guidelines contain complete discussions of each ACH Network participant type and its role and obligations in the ACH Network.

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NEW! 2017 NACHA Operating Rules & Guidelines - Digital Access via App

The 2017 NACHA Operating Rules use clear, straightforward and consistent language throughout to help you understand them more easily and to assist you in finding the information you need. The 2017 NACHA Operating Guidelines contain complete discussions of each ACH Network participant type and its role and obligations in the ACH Network.

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2017 NACHA Operating Rules Corporate Edition

The 2017 NACHA Operating Rules and Guidelines (Corp Ed) use clear, straightforward and consistent language throughout to help you understand them more easily and to assist you in finding the information you need.

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2017 NACHA Operating Rules Corporate Edition CD

The 2017 NACHA Operating Rules and Guidelines (Corp Ed) use clear, straightforward and consistent language throughout to help you understand them more easily and to assist you in finding the information you need.

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2017 NACHA Operating Rules Corporate Edition - Online Only

The 2017 NACHA Operating Rules and Guidelines (Corp Ed) use clear, straightforward and consistent language throughout to help you understand them more easily and to assist you in finding the information you need.

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2017 Rule Book Tabs

Purchase your own set of Tabs for the 2017 NACHA Rules Book. Tabs provide quick reference when handling the most common ACH issues such as unauthorized returns, return deadlines, obligation of the RDFI to post ACH items, notifications of change, obligations of the ODFI, funds availability and more.

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ACH Corporate User Guide on CD

This new and improved guide on CD was developed to help companies establish and maintain a successful ACH origination program. In its new format, your company will be able to insert samples of forms and a sample if your contract with the ODFI.

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ACH Participant Directory

The ACH Participant Directory published by Accuity and developed in partnership with NACHA, provides quick access to routing numbers and contact information for the financial institutions that participate in the ACH network.

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ACH Quick Reference Guide

An everyday operational resource for ACH information, this easy-to-use guide is updated with the very latest information, including 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 this guide to be a very valuable education tool when training new operations employees.

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Quick Reference Cards for Exception Handling

These spiral bound cards serve as a quick reference guide to ACH returns requirements and codes. The information is sorted (primarily) by return reason, making the task of determining the correct Return Reason Code much easier. In addition to the Return Reason Codes, the document contains a Glossary of Return Terms and the requirements for the return of Government and IAT entries, Notifications of Change and ACH timeframes and record retention requirements all in one index-tabbed document.

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Check Publications

Check / Image Flashcards

The Check/Image Flashcards are a hands-on, convenient study aide. Sections of study covered in this set of approximately 200 cards include a general overview; rules, laws and regulations; fraud and risk mitigation; operations; products; and standards and formats.

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Marketing Publications

ACH Product Sales and Marketing Handbook

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. (2016)

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Compliance Publications

ACH Audit Guide - 2017

The 2017 ACH Audit Guide is a publication designed to assist financial institutions 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 Appendix Eight 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.

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

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 Appendix Eight 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.

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Policies and Procedures Guide for ACH Operations - 2017

Don't go into your next examination with incomplete policies and procedures! The 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.

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2017 Update-Policies and Procedures Guide Document

The ACH Policies & Procedures Guide document is an updated addendum for the NACHA Operating Rules changes effective 2017. This document can be used with the PaymentsFirst Policy & Procedure Guide previously purchased to update your policies & procedures.

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Guide for Completing Your ACH Risk Assessment - 2017

The 2017 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 & 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.

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Wire Transfer Risk Assessment and Audit of Internal Controls Guide

The Wire Transfer Risk Assessment and Audit of Internal Controls Guide is a publication designed to assist financial institutions in completing a review of their wire transfer internal controls. Individual sections within the document include risk management system and controls; regulatory compliance and transaction risk; vendor management, agreement and contingency planning; and credit risk. An assessment questionnaire and guide directions are included to assist the auditor. The document includes tools to help the auditor understand the legal framework of wire transfers and terms.

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Remote Deposit Capture Risk Assessment Workbook CD

This comprehensive, easy-to-use workbook, now published on CD, is designed to assist financial institutions in addressing remote deposit capture risk. The CD content mirrors the FFIEC Remote Deposit Capture Risk Management Guidance. The Remote Deposit Capture Risk Assessment Workbook CD guides you in completing the step-by-step risk assessment. User-friendly worksheet questions are easily answered Yes/No and include room for comments, along with a designated action plan to assist you in developing a comprehensive RDC risk management program. Operations staff, risk managers, compliance officers as well as audit personnel will find this workbook CD a resourceful tool.

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Revised Uniform Commercial Code Article 4A and ACH Network

New, easy to understand edition. Evaluates the impact of UCC 4A on security procedures and bank/corporate agreements. For financial institutions and corporations that handle ACH wholesale credits.

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Same Day ACH - A Guide to Opportunities and Implementation

Explores developments made possible by the advent of Same Day ACH. The publication delves into new product and service opportunities afforded FIs with Same Day ACH, as well as detailing steps to implementation and preparedness on an operational front.

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The ACH Compliance Manual: How to Comply with ACH-Related Rules & Regulations-7th Edition

Everything you always wanted to know about compliance, but were afraid to ask or couldn't find. This comprehensive manual covers authorizations, disclosures, processing, funds availability, settlement, error resolution, returns, reversals, retention, audit, all Standard Entry Class Codes and much, much more. Helpful compliance tips are included as well as a resource list and glossary of terms.

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Third-Party Senders & the ACH Network: An Implementation Guide

This newest publication from NACHA - The Electronic Payments Association provides a review of the variations in legal requirements and processing obligations relating to the origination of ACH entries when a Third-Party Service Provider, acting as a Third-Party Sender, is involved in the origination of transactions through the ACH Network.

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Other Publications

AAP Flashcards

The flashcards provide a hands-on study aid for those planning to sit for the AAP Exam. Highlighting the six areas of focus for the AAP Exam, this is a great self-study tool to help registrants prepare for the exam and earn their accreditation. Timeframes, SEC codes, participant responsibilities and most of the need to know information is covered in this set.

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ACH Volume Report

The ACH Volume Report provides your Financial Institution with a monthly summary of ACH activity processed through the Federal Reserve Bank. The report is a good resource for monitoring ACH Origination, Received and Return activity. The summary report also shows savings realized by your financial institution as a result of processing electronic payments rather than paper checks. The purchase price is for a one year subscription (12 Reports). PaymentsFirst must be designated as your Financial Institution’s “Regional Payments Association Affiliation” for each ABA number with the Federal Reserve Bank in order for this service to be provided.

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ACHPro 2017

ACHPro 2017 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.

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Guide to International ACH Transactions (IAT) - 4th Edition

NACHA rules 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. 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. This publication includes all IAT changes to the NACHA Operating Rules since 2009, mapping for Identification of Additional Parties in For-Further-Credit/Debit-To Model, OFAC compliance and responsibilities of financial institutions and Gateways.

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Same Day ACH - A Guide to Opportunities and Implementation

Explores developments made possible by the advent of Same Day ACH. The publication delves into new product and service opportunities afforded FIs with Same Day ACH, as well as detailing steps to implementation and preparedness on an operational front.

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Understanding Internet-Initiated ACH Debits & Credits (Third Edition)

This recently update publication reflects a changing ecommerce environment over the last several years, together with important changes to the WEB Rules - specifically, the Mobile ACH Payments Rule effective January 1, 2011 which incorporated ACH debits authorized and/or initiated via wireless networks into the pre-existing category of Internet-Initiated Entries (WEB), and the P2P Entries via ACH Rule, which allows the use of credit WEB Entries by Originators as of March 7, 2014, and requires the use of credit WEB Entries by March 20, 2015. Topics covered include; Authorization and Authentication; Originator Obligations; Risk Management; Electronic Bill Payment, and Person to Person Payments.

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Written Statement of Unauthorized Debit (Pk/50)

These convenient two-part carbonless forms are an essential tool for financial institution personnel when customers question ACH debit transactions posted to their accounts. Includes thorough descriptions of what constitutes a revocation of authorization, an unauthoried debit, or an improper debit (for RCK, ARC, and POP entries), along with prompts to operations staff as to the correct return reason code to use.

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