Other Publications

AAP Preparation Publications Packages

Various Formats

The Accredited ACH Professional (AAP) designation distinguishes its bearers as members of an elite corps of payments system professionals. To assist you in preparing for the AAP examination, administered once in the fall each year, the following publications are recommended:
 

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

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.

 



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So You Think You Want To Become an APRP?

On-Demand

Have you considered becoming an Accredited Risk Payments Professional (APRP)? This one-hour recorded webinar introduces the Accredited Risk Payments Professional (APRP)  credential and explains the value it brings to your career and organization. You'll learn what the exam covers, how it's structured, and what steps to take to prepare.

The APRP exam is offered in the fall. Use this session to start your preparation with clear guidance and practical tips.



Price: $0.00    

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 - 9th Edition – Hardcopy
  • 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.



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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



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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 May and closes on December 31, 2025.

Registration closes on November 1, 2025.

 



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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.



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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



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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



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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



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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



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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



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Debit Card Quick Reference Cards

Electronic Version

 
Electronic Publication: These cards are a "must-have" for your operations area. The set includes helpful information on Regulation E liability and timeframes, chargebacks, chargeback codes, and definitions. Various types of card fraud including skimming, identity theft, telemarketing fraud, and phishing are explained. These cards make a great training tool

This publication is formatted as a PDF document. Users must have access to Adobe Reader.

Format: PDF

 



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ODFI Audit Checklists for Originators & Third-Party Senders

Electronic Format

Electronic Publication: This tool contains a series of ODFI Audit checklists providing an efficient tool for ODFIs to gauge their Originators/Third-Party Senders understanding and compliance with the ACH Rules. These checklists can be completed by financial institution staff or sent to the Originator and/or Third-Party to complete on its own and then return to the ODFI. Each Audit Checklist is a fillable PDF form for each type of ACH application. Complete or send the forms that are specific to the ACH services your institution originates.

This publication is formatted as a PDF document. Users must have access to Adobe Reader.
 
Format: PDF


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Origination Handbook - TEL, WEB & CIE SEC Codes

Electronic Format

Electronic Publication: This convenient quick-reference tool helps ACH Originators quickly and easily understand their obligations under the ACH Rules. Filled with all the knowledge necessary for compliant ACH operations in a condensed format more easily referenced and digested by the Originator, each handbook in this series includes an overview of the ACH Network and its participants, as well as file formatting and processing requirements. The TEL, WEB & CIE edition also includes verification, authorization, and data security audit requirements.

Format: PDF



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