Rules Publications

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406 - 2018 NACHA Operating Rules & Guidelines

The 2018 NACHA Operating Rules & Guidelines is the premier source for information governing the exchange and settlement of transactions through the ACH Network. The NACHA Operating Rules provide the legal framework for the ACH Network in simple, clear and consistent language. The NACHA Operating Guidelines contain complete discussions of each ACH Network participant type and its role and obligations, as well as detailed overview of the Standard Entry Class Codes.



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409 - 2018 NACHA Operating Rules & Guidelines - Corporate Edition

The 2018 NACHA Operating Rules, which govern the ACH Network, are a set of equitable rules that guide risk management and create payment certainty for all participants. In addition to containing the Rules in full, the 2018 NACHA Operating Rules & Guidelines - Corporate Edition include sections of the Guidelines that are most applicable to businesses that originate and receive ACH payments. It also contains details on the legal framework of the Rules, Third-Party Service Providers, OFAC compliance, and a brief history of the development of the ACH Network.



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409OL - 2018 NACHA Operating Rules & Guidelines - Corporate Edition - Online Access Only

The 2018 NACHA Operating Rules & Guidelines - Corporate Edition, online subscription access provides the electronic version of the printed book. The site is fully searchable by phrase and keyword, with additional "go to page" functionality. Users have the unlimited ability to bookmark and save searches. Limited copying and pasting functionality is also available.



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409DA - 2018 NACHA Operating Rules & Guidelines - Corporate Edition - Digital Access

The 2018 NACHA Operating Rules & Guidelines - Corporate Edition, online subscription access provides the electronic version of the printed book. The site is fully searchable by phrase and keyword, with additional "go to page" functionality. Users have the unlimited ability to bookmark and save searches. Limited copying and pasting functionality is also available.

The app provides access to the digital Adobe-based format of the 2018 NACHA Operating Rules & Guidelines - Corporate Edition, on up to two devices, anywhere, anytime. Once redeemed using a provided access code, content is available with no internet connection required. The app allows bookmarking, enhanced search, copying and printing.

This product utilizes a third party App (Flux Player) to launch access to the Digital Rights Management (DRM) 2018 Rules content and works on numerous devices, including:

  • PC/Windows
  • Mac (OSX)
  • Android phones and tablets
  • Apple iOS (iPad, iPhone, iPod Touch)
  • Kindle and ChromeOS


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406CD - 2018 NACHA Operating Rules & Guidelines CD

The 2018 NACHA Operating Rules and Guidelines is the premier source for information governing the exchange and settlement of transactions through the ACH Network. The NACHA Operating Rules provide the legal framework for the ACH Network in simple, clear and consistent language. The NACHA Operating Guidelines contain complete discussions of each ACH Network participant type and its role and obligations, as well as detailed overviews of the Standard Entry Class Codes. The 2018 NACHA Operating Rules and Guidelines has been fully updated to include new Rule amendments approved prior to the time of publication. The site is fully searchable by phrase and keyword, with additional “go to page” functionality. Users have the unlimited ability to bookmark and save searches. Limited copying and pasting functionality are also available. Access to the ACH Rules Online runs from December 31, 2017 through December 31, 2018.

LIMITED QUANTITY IN STOCK!! ORDER TODAY!!



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406DA - 2018 NACHA Operating Rules & Guidelines - Digital Access

The 2018 NACHA Operating Rules & Guidelines is the premier source for information governing the exchange and settlement of transactions through the ACH Network. The NACHA Operating Rules provide the legal framework for the ACH Network in simple, clear and consistent language. The NACHA Operating Guidelines contain complete discussions of each ACH Network participant type and its role and obligations, as well as detailed overview of the Standard Entry Class Codes.

The app provides access to the digital Adobe-based format of 2018 NACHA Operating Rules & Guidelines - on up to two devices - anywhere, anytime. Once redeemed using a provided access code, content is available with no internet connection required. The app allows bookmarking, enhanced search, copying and printing.

The product utilizes a third party App (Flux Player) to launch access to the Digital Rights Management (DRM) 2018 Rules content and works on numerous devices, including:

  • PC/Windows
  • Mac (OSX)
  • Android phones and tablets
  • Apple iOS (iPad, iPhone, iPod Touch)
  • Kindle and ChromeOS


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406OL - 2018 NACHA Operating Rules & Guidelines - Online Only Edition

The 2018 NACHA Operating Rules & Guidelines is the premier source for information governing the exchange and settlement of transactions through the ACH Network. The NACHA Operating Rules provide the legal framework for the ACH Network in simple, clear and consistent language. The NACHA Operating Guidelines contain complete discussions of each ACH Network participant type and its role and obligations, as well as detailed overview of the Standard Entry Class Codes.

The Rules book Online Edition makes compliance easier without altering the substantive meaning of the underlying rules. More user-friendly structure for ACH Network participants; Easier to understand; Rule information is easier to find!

The online access site is fully searchable by phrase and keyword, with additional "go to page" functionality. Users have the unlimited ability to bookmark and save searches. Limited copying and pasting functionality is also available.



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405 - 2019 NACHA Operating Rules & Guidelines

The 2019 NACHA Operating Rules & Guidelines is the premier source for information governing the exchange and settlement of transactions through the ACH Network. The NACHA Operating Rules provide the legal framework for the ACH Network in simple, clear and consistent language. The NACHA Operating Guidelines contain complete discussions of each ACH Network participant type and its role and obligations, as well as detailed overview of the Standard Entry Class Codes.

The NACHA Operating Rules & Guidelines in Print is an essential component of every ACH Network participant’s library, as a valuable hard copy reference and a must for important and required contingency planning purposes. Purchase the Rules in Print product with other available formats (recommended, Online Resource and Digital Access) to provide additional means of convenient online and mobile access to the NACHA Operating Rules & Guidelines.

Limited Time Offer: Save 10% through December 10, 2018



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405DA - 2019 NACHA Operating Rules & Guidelines - Digital Access

This fully searchable, portable, Adobe-based product provides convenient, read-only access, with no available print function, to the digital 2019 NACHA Operating Rules & Guidelines — on up to two devices.

Please Note: All digital purchases are final.

This product utilizes a third-party App (Flux Player) to launch mobile access to the digital 2019 Rules content. Once the App (Flux Player) downloaded to your device and the purchased access code is redeemed, content is available with no further internet connection required. This Digital Access product provides electronic access to the Rules content, without requiring a physical disc and works on numerous operating systems and devices, including:

• PC/Windows
• Mac(OSX)
• Android phones and tablets Apple
• iOS (iPad, iPhone, iPod Touch)
• Kindle

Limited Time Offer: Save 10% through December 10, 2018



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405OL - 2019 NACHA Operating Rules & Guidelines - Online Only Edition

This new online interactive NACHA Rules resource contains the NACHA Operating Rules & Guidelines Premium Editions. Each version is a full HTML tool that has been divided into sections for easy browsing and searching of the content. This new resource has been set up to take advantage of the HTML, allowing for an easy and responsive viewing experience from a desktop computer, laptop or a mobile device with newly enhanced product features:

• Bookmarking
• Keyword/Phrase Search
• Copy and printing options
• Archive access

Subscription access to the 2019 NACHA Operating Rules Online runs from December 31, 2018 through December 31, 2019.

Limited Time Offer: Save 10% through December 10, 2018



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569 - A Bank's Quick Reference Guide to ACH Origination

A Bank’s Quick Reference Guide to ACH origination is designed to assist banks in establishing and maintaining successful ACH origination operations. Written from a bank’s perspective, this easy to-use Guide examines the risks of origination, explains preliminary requirements of origination and discusses the responsibilities of the ODFI. Specific ACH payment applications are addressed, allowing the user to concentrate on the transactions it plans to originate.



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588 - A Guide to Implementing Direct Deposit through the ACH


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587 - A Guide to Implementing Direct Payments through the ACH


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562 - ACH Agreements and Tools CD

Includes Same Day ACH debit and credit addendum. This useful suite of easily
customizable tools include standard ODFI/ Originator and Third-Party Sender agreements. Sample agreements include an ODFI/Originator ACH agreement, and ODFI/Third-Party Sender ACH agreement and SEC code specific agreement addendum. Sample authorizations, transmittal registers, file control logs, calendars and more are also included.



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537 - ACH Block/Filter Agreement

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. This contains a customizable Microsoft Word document that includes critical forms and conditions between these parties.



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540 - ACH Corporate User Guide on CD

The ACH Corporate User Guide on CD is an excellent resource for companies/business ACH users. It is also an excellent resource for financial institutions. This guide on CD has been updated to include information for companies/business on the International ACH Entry (IAT). Developed to help companies establish and maintain a successful
ACH origination program, this guide includes useful tools to assist a company or financial institution. What’s inside: corporate responsibilities; exception processing; specific application concerns for numbers applications; list of return reason codes and much more. For Windows XP, Vista and Mac. Adobe Acrobat Reader 7.0 required.



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673 - ACH Management Policies

Ensure your financial institution has the appropriate ACH policies in place to set a strategic direction for ACH services and limit liability. Use the sample language provided with this tool to customize your ACH program policy including an ACH risk management program, outlining board/senior management responsibilities and documenting general RDFI/ODFI obligations. These policies should be part of your overall organizational strategy.



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650 - ACH Network Data Security Self-Assessment

This workbook is designed to provide tools to ACH Network participants on how to achieve practical data security and to implement information management practices. This workbook encourages companies to enact measures that adequately protect sensitive ACH information that is stored, processed, or transmitted electronically. Smarter management of payment-related information will result in reduced organizational risk, maintenance of a positive image, enhanced customer confidence, and an improved bottom line.



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509 - ACH Origination Agreements

Updated for Same Day ACH! This product, in Microsoft Word, provides a modifiable and NACHA-compliant template for defining the responsibilities of Originators. In addition to the agreement, your purchase includes sample Direct Deposit and Direct Payment Authorization Forms; Sample Transmittal Schedule; Federal Reserve Bank Holiday Schedule; and a Principal/Owner Guaranty.



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560 - 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 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.



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561 - ACH Quick Reference Guide

An operational resource for basic ACH information in an easy to use format. This publication includes RDFI responsibilities related to ACH Rules compliance obligations, a glossary of ACH terms and easy to understand information on handling exceptions. This publication is a great educational resource for training new operations employees.



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503 - ACH Return Entry Survival Guide


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606 - ACH Settlement Guide


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586 - An Introduction to ACH


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501 - Becoming an ODFI Implementation Toolkit


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554 - Check/Image Flashcards

Need to brush up on your check/image knowledge? These flash cards are a convenient study aid consisting of over 225 cards covering general check information, rules/regulation/law, fraud and risk mitigation, products, standards and operational issues.



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592 - Corporate ACH User Quick Reference Cards

This three-card series is specifically designed for the corporate ACH user. This tool gives
Originators finger tip access to critical information for correctly handling ACH returns,
dishonored/contested returns NOCs and more. A ideal resource for an ODFI to utilize to ensure your Originators are educated on their ACH compliance responsibilities.



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401 - Guide to Collecting Lost or Destroyed Checks through the ACH Network


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418 - Healthcare EFT Standard Implementation Guide NACHA CCD+ Addenda

The purpose of the Healthcare EFT Standard Implementation Guide is to provide the healthcare industry with information on payment processing between the Health Plan to the Provider and for implementing the healthcare EFT Standard for Stage 1 Payment Initiation, as defined by the Standards for Healthcare Electronic Funds Transfers (EFTs) and Remittance Advice.  Chapters cover:  The Healthcare EFT Standard at a glance; NACHA, the NACHA Operating Rules, and changes to support healthcare EFT payments; ACH Network fundamentals; ACH formatting requirements; healthcare EFT and ERA operating Rules; and Resources.



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559 - IAT Quick Reference Cards for the RDFI


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514 - Introduction to the Payment System


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2018 NACHA Rules Book Tabs

Purchase your own set of Tabs for the 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.

Members receive one complimentary copy of the Rules Book. Tabs are sold separately.



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474 - Navigating the Simplified NACHA Operating Rules


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525 - Payments and Risk Glossary


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Rules Product Bundle #1

Save on Individual Items

Special Offer!
10% Savings

2018 NACHA Operation Rules & Guidelines - Regular Edition

Print + Online + Digital Versions



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Rules Product Bundle #1 - Corporate Edition

Save on Individual Items

Special Offer!
10% Savings

2018 NACHA Operation Rules & Guidelines - Corporate Edition

Print + Online + Digital Versions



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Rules Product Bundle #2

Save on Individual Items

Special Offer!
10% Savings

2018 NACHA Operation Rules & Guidelines - Regular Edition

Print + Online Versions



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Rules Product Bundle #2 - Corporate Edition

Save on Individual Items

Special Offer!
10% Savings

2018 NACHA Operation Rules & Guidelines - Corporate Edition

Print + Online Versions



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Rules Product Bundle #3

Save on Individual Items

Special Offer!
10% Savings

2018 NACHA Operation Rules & Guidelines - Regular Edition

Print + Digital Versions



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Rules Product Bundle #3 - Corporate Edition

Save on Individual Items

Special Offer!
10% Savings

2018 NACHA Operation Rules & Guidelines - Corporate Edition

Print + Digital Versions



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481 - Same Day ACH - A Guide to Opportunities and Implementation

This publication 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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665 - Standard Entry Class (SEC) Code Detail Cards

A complete 5-card set, includes ten SEC Codes: ARC, POP, BOC, RCK, WEB, TEL, PPD, CCD &CTX; PLUS IAT. These durable desktop reference cards contain the most up-to-date details pertaining to the specific rules unique to each SEC Code. The requirements and special rules, including return information is detailed on these cards which are invaluable to all ACH Participants. This ideal tool can assist financial institutions with Rule Compliance whether originating or receiving these types of ACH transactions, plus help aid in Originator education. These detail cards are a must for all financial institutions and originators alike.



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425G - Stop Payment Fillable PDF Form

This Electronic Stop Payment Request Order provides concise explanations on stop payment requests for single or recurring entries to consumer accounts; stop payment requests on paper items; and stop payment requests for entries to non-consumer accounts. This fillable PDF form contains all the necessary information your financial institution needs to easily comply with these requests.

Minimum system requirement - Adobe Reader.



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519 - Third Party Service Provider Agreement

Updated for Same-Day ACH! As Originators use Third-Party Service Providers for their ACH needs, the ODFI needs to ensure that all parties are informed of and accountable for their obligations under the rules, regulations, and laws governing ACH. This product is a comprehensive service agreement between ODFI, Originator, and Third-Party Service Provider in customizable Microsoft Word format.



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615 - Understanding Internet-Initiated ACH Debits & Credits – 3rd Edition

This recently updated 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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426G - Written Statement Fillable PDF Forms

As an RDFI, you must have a completed Written Statement of Unauthorized Debit (WSUD) before returning a debit entry. The dated form has clear and concise information about what return reason code to use and is fully NACHA compliant. You have the capability to fill out the PDF form online or email it to your customer for them to complete and provide back to you.

Minimum system requirement - Adobe Reader.



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