Updated for Same-Day ACH! This product, in Microsoft Word, provides a modifiable template for defining the responsibilities of Originators updated to the 2022 Nacha Operating Rules and Guidelines. This includes security procedures, templates for fee schedules, processing schedule calendars and information to help determine processing limits. (Electronic version only)
As financial institutions see an increase in fraud attempts on all payment types, ACH customers are looking to use anti-fraud services like ACH Blocks/Filters and ACH Positive Pay. These services help the customers to control and/or monitor ACH activity. The Agreement contains a customizable Microsoft Word document that includes critical forms and conditions between these parties.
Item Number - 537-AN 2019 - Available Electronically
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. Product schedules included on 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!
Item Number - 686 2021 -(Updated every 2 years) Available Only Electronically
You asked, and we answered! We have expanded our agreement product offering to include this combined Business and Consumer Online Banking Agreement that includes mobile banking, mobile deposit, and bill pay. 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.
2019 - Available Electronically
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 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.
Item Number - 521 2019 - Available Electronically
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.
Item Number - 523 2019 - Available Electronically
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 it to be a valuable education tool when training new operations employees. (2023)
ACH Quick Reference Guide for Corporate Users Printed or Electronic
This Guide is designed to help corporate Originators comply with the Nacha Operating Rules. This Guide provides summaries
of those Rules and tasks most important to Originate ACH debits and credits. This tool is a great resource to help corporate
Originators understand their obligations outlined in the 2023 Nacha Operating Rules. (2023)
This tool, modeled after the popular ACH Quick Reference Cards for Financial Institutions, is specifically designed for Corporate ACH users. This three-card series gives Originators fingertip access to critical information for the correct handling of ACH Returns, Dishonored Returns, Standard Entry Class (SEC) codes, Transaction codes and Notifications of Change (NOC). This is an ideal tool to assist with Originator education and rule compliance, which is a responsibility of the ODFI. These colorful and durable desktop reference cards provide ACH basics, including prenotifications, for the Originator along with the explanations for Return Reason codes, NOC codes, SEC codes, transaction codes and solutions for handling ACH exception entries. These quick reference cards are a great way to provide Originators tools now that the ACH Rules - Corporate Edition has been retired. (2023)
ACH Quick Reference Cards for Financial Institutions
A seven-card series including codes and timeframes for ACH Returns, Dishonored and Contested Dishonored Returns,
Notifications of Change (NOC), Special Exceptions (including Operator Rejects and Government Payments), Electronic
Check Applications, IAT, WEB, and TEL. These colorful and durable desktop reference cards provide fingertip access to critical
information for the proper handling of these ACH items. The cards also include helpful tips and commonly asked questions and
answers regarding exception handling. Members overwhelmingly agree that this seven-card reference set is one of the most
useful ACH resources available to them. These cards have been updated to include information about the updates to the R11
Return Reason Code for Questionable Entries. (2023)
EFT Quick Reference Cards (Printed or Electronic)
These cards include all the key information you will need as you go through the dispute process including Regulation E background and key terms, which transactions are covered under the regulation, disclosure and statement requirements, what constitutes an error, consumer liability, investigation timeframes, and recommended steps to investigate. Important considerations and tips for compliance with the International Remittance Transfer Rule (Regulation E Subpart B), such as how to calculate the safe harbor limit, are also covered. Financial institution do’s and don’ts, along with tips for protecting consumers and financial institutions are a bonus. (2021)
Quick Reference Cards for Exception Handling
These handy spiral-bound cards are a must-have for every financial institution! They provide a simple and quick way to look up the Nacha Operating Rules as you are processing your daily ACH activity.
This item will begin shipping in the first quarter of 2022.