Publications

UMACHA offers a wide selection of print and electronic publications designed to assist you in the development of your electronic payment programs and procedures. These publications were developed with your needs in mind and are available at economical rates.

Are you a UMACHA Member? Don't forget - one of your many member benefits includes access to a variety of FREE sample forms and agreements. Visit the Members Only page to view our selection.

Having trouble finding what you are looking for? Please let us know. We may be able to recommend an alternative or implement something in the future.

ACH Rules Publications

2017 NACHA Operating Rules & Guidelines

Hard Copy

The NACHA Operating Rules & Guidelines is the definitive source for information about the exchange and settlement of transactions through the ACH Network. This hard copy of The Rules comes with access to the ACH Rules Online, the electronic version of the printed book.

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2017 NACHA Operating Rules & Guidelines

** CD **

The 2017 NACHA Operating Rules & Guidelines is the definitive source for information about the exchange and settlement of transactions through the ACH Network. New DVD format for 2017 - contains the same searchable, read-only file (editing, copying and/or printing is restricted), with the same content and premium-level access to ACH Rules Online as the print version.

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2017 NACHA Operating Rules & Guidelines

** Online Access Only **

Each 2017 NACHA Operating Rules & Guidelines – Regular Edition, online subscription access provides the electronic version of the printed book or DVD. 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.

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2017 NACHA Operating Rules & Guidelines - Corporate Edition

Hard Copy

In addition to containing the Rules in full, the 2017 NACHA Operating Rules & Guidelines – Corporate Edition includes sections of the Guidelines that are most applicable to businesses that originate and receive ACH payments. This Hard Copy includes access to the ACH Rules Online.

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2017 NACHA Operating Rules & Guidelines - Corporate Edition

** CD **

In addition to containing the Rules in full, the 2017 NACHA Operating Rules & Guidelines – Corporate Edition includes sections of the Guidelines that are most applicable to businesses that originate and receive ACH payments. The new DVD format for 2017 contains the same searchable, read-only file, with the same content and premium-level access to ACH Rules Online as the print version.

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2017 NACHA Operating Rules & Guidelines - Corporate Edition

** Online Access Only **

The 2017 NACHA Operating Rules & Guidelines – Corporate Edition, online subscription access provides the electronic version of the printed book or DVD. The site is fully searchable by phrase and keyword, with additional “go to page” functionality.

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Check/Image Publications

Image & Remote Deposit Capture (RDC) Guide on CD

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.

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Mobile Remote Deposit Agreement (Terms & Conditions)

Mobile RDC is an important element of your FI’s electronic banking program, but are you properly covering your compliance and legal obligations in your product agreement? Available the end of June 2017

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RDC Special Offer: Purchase both the RDC Corporate Service Agreement & RDC Risk Management Policy & Save $25

RDC Special Offer: Purchase both the RDC Corporate Service Agreement & RDC Risk Management Policy & Save $25.

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RDC Special Offer: Purchase both the RDC Corporate Limit Review Form & RDC Customer Assessment Form & Save $10

RDC Special Offer: Purchase both the RDC Corporate Limit Review Form & RDC Customer Assessment Form & Save $10. Available the end of June 2017

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Remote Deposit Capture (RDC) Consumer Service Agreement

This sample Remote Deposit Capture consumer service agreement is designed to assist users in identifying and mitigating the risk in operating a remote deposit capture product.

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Remote Deposit Capture (RDC) Corporate Limit Review Form

Do you perform due-diligence prior to approving a customer for your RDC service? According to the FFIEC Risk Management Guidance for RDC, management should establish appropriate risk-based guidelines to qualify customers for this service.

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Remote Deposit Capture (RDC) Corporate Service Agreement

A large number of financial institutions have found their RDC corporate service agreement is lacking important provisions. Purchase this sample RDC service agreement to ensure you have addressed all the critical elements that need to be included in the agreement between a financial institution and its RDC customer. Created in (Word) this sample agreement is available on CD and should be modified to fit the RDC service offered by the FI.

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Remote Deposit Capture (RDC) Customer (End-User) Self-Assessment Form

The FFIEC guidance regarding risk management of RDC says when appropriate, based on risk, financial institutions may choose to rely on self-assessments by their RDC customers for controls that would otherwise be reviewed during an on-site visit. Available the end of June 2017

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Remote Deposit Capture (RDC) Risk Assessment Guide

If you have deployed a branch capture process internally or offer an RDC service to your customers, did you know an RDC risk assessment needs to be performed? Are you looking for a tool to help conduct a risk assessment of your RDC program? Available the end of June 2017

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Remote Deposit Capture (RDC) Risk Management Policy

The purpose of the RDC risk management policy is to provide a document that will help a financial institution implement a policy based on the scope of the RDC service.

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Remote Deposit Capture (RDC) Customer Assessment Form

Do you perform due-diligence prior to approving a customer for your RDC service? According to the FFIEC Risk Management Guidance for RDC, management should establish appropriate risk-based guidelines to qualify customers for this service. Available the end of June 2017

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Risk Management & Compliance Publications

ACH Audit Guide on CD

This comprehensive ACH Audit Guide on CD provides you with assistance in completing your annual ACH Audit.

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ACH Compliance Manual

This updated 8th edition of the ACH Compliance Manual, includes a chapter devoted to Same Day ACH that became effective in September 2016, as well as useful compliance tips, a resource list and glossary of terms. This comprehensive manual covers authorizations, disclosures, processing, funds availability, settlement, error resolution, returns, reversals, retention, audit, all Standard Entry Class Codes and more. Helpful compliance tips are included as well as a resource list and glossary of terms.

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ACH Network Data Security Self-Assessment Workbook

This workbook is designed to provide tools to ACH Network participants on how to achieve practical data security and to implement information management practices.

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ACH Policies & Procedures Manual

Procedures for all aspects of your ACH program are an important piece of your institution’s risk management and compliance programs. This publication will help you write procedures for your daily processes in an easy to understand format.

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ACH Risk Assessment Guide

This Guide is designed to help safeguard your financial institution from potential loss. The ACH Risk Assessment will help you determine your potential ACH risks and develop mitigating controls.

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Guide to Establishing ACH Exposure Limits

Assignment of risk management responsibilities, Separation of duties, Development of policy regarding high-risk business activities, Development of policy regarding various ACH transaction types, NACHA rule requirements for exposure limits, Calculation, approval and review of ACH exposure limits, Monitoring of returns.

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ODFI Risk Management Guide on CD

Designed to give an overview of the different types of ACH risks, as well as provide information for preparing a risk policy, procedures, and controls for managing ACH risk. Samples forms are provided as prototypes for your needs.

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Revised Uniform Commercial Code Article 4A and the ACH System

2nd Edition

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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Rules Review Guide for Originators

Designed for financial institutions looking for a tool to help perform an ACH audit of originating customers and originating companies looking for a way to verify they are abiding by all the ACH Rules.

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Third-Party Senders ACH Audit Guide on CD

UMACHA’s Third-Party Sender ACH Audit Guide on CD is designed to help you complete an audit of your Third-Party Sender.

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Quick Reference Tools

ACH Quick Reference Cards for the FI (set of 7)

A seven-card series: ACH Returns, Dishonored Returns, Notifications of Change (NOC), Special Exceptions (including Operator Rejects and Governent Payments), Electronic Check Applications, Check Conversion FAQs, and WEB/TEL.

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Check Quick Reference Cards (set of 5)

This set of cards covers "need to know information" about the check industry including Reg CC Returns and Remotely Created Checks, Check 21, Exception Holds, MICR Line Information, and more

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Corporate ACH User Quick Reference Cards (set of 3)

This three-card series is designed specifically for Corporate ACH users. These durable desktop reference cards give Originators fingertip access to critical information for the correct handling of ACH returns, dishonored returns, and Notifications of Change (NOC).

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Debit Card Quick Reference Cards (set of 3)

These cards are a “must-have” for your operations area. The set includes helpful information on Regulation E liability and timeframes, chargebacks, definitions and contacts.

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Returns Quick Reference Card

Your operations staff will want this handy reference card to turn to when processing ACH returns. Listing the most frequently used return codes and categorizing them into easy-to-find groups, this card provides important "must know" information specific to each code, such as: Return Timeframes, Written Statement of Unauthorized Debit (WSUD) Requirements, Codes Specific to Stop Payments and Represented Checks (RCK), Consumer or Non-Consumer Accounts, and Common Dishonored and Contested-Dishonored Returns.

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Standard Entry Class (SEC) Code Detail Cards (set of 5)

Updated 2012

A complete 5-card set includes ten SEC Codes: ARC, POP, BOC, RCK, WEB, TEL, PPD, CCD, CTX & IAT.

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The Return & Change Codes of the NACHA Operating Rules

This quick reference tool is what every ACH participant needs to assist with their day-to-day ACH Operations. In this unique "tennis court" design, you'll have all the Standard Entry Class (SEC) Codes (otherwise referred to as the forward ACH entry); plus all the return reason codes, NOC codes, including timeframes allowed for each according to the ACH Rules, right at your fingertips!

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Unauthorized ACH Pre-Return Quick Reference Card

Introducing the new Unauthorized ACH Reference Card. UMACHA has created this tool to help your operations staff when facing a stop pay vs. Written Statement of Unauthorized Debit (WSUD) dilemma.

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Forms & Agreements

Direct Deposit Authorization Forms

(100/pk)

These authorizations are for companies looking for generic authorization forms that market ACH benefits to consumers.

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Direct Payment via ACH Authorization Forms

(100/pk)

These authorizations are for companies looking for generic authorization forms that market ACH benefits to consumers.

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Sample Co/FI ACH Origination Agreement

Sample agreement between the FI and the originating company.

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Other Guides & Study Resources

A Bank's Quick Reference Guide to ACH Origination

This spiral-bound, easy-to-use guide is designed to help financial institutions establish and maintain successful ACH origination operations.

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A Credit Union's Quick Reference Guide to ACH Origination

Credit Union’s Guide to ACH Origination is designed to assist credit unions with evaluating and implementing ACH origination. Specifically written from a “credit union’s perspective,” this Guide details how to establish and maintain successful ACH origination operations.

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AAP Flashcards

AAP Flashcards to help you prepare for the Exam.

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AAP Recognition Day Party Pack

Make celebrating the efforts of your Accredited ACH Professionals on AAP Recognition Day (the 2nd Tuesday of February each year) with everything you need to get the party started...quick, easy & in no time at all!

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AAP Test Resource Kit with ACH Rule Book

A must have for those studying for the Accredited ACH Professional (AAP) certification!

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AAP Test Resource Kit without ACH Rule Book

Everything included in the full AAP Test Resource Kit, excluding the ACH Rule Book.

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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 great resource for financial institutions.

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ACH Product Sales & Marketing Handbook

This publication explores strategies and solutions for extending ACH products and services to financial institutions’ business and consumer customers.

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ACH Quick Reference Guide

This spiral-bound, easy-to-use guide provides RDFI responsibilities and obligations outlined in an easy-to reference format.

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ACHPro

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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CheckPro (Online Edition)

CheckPro has been specifically designed to help you master the changing check landscape and related payment systems.

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Guide to International ACH Transactions (IAT)

This publication updates the IAT Survival Guide 4th Edition and 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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Healthcare EFT Standard Implementation Guide

The purpose of this publication 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 EFTs and Remittance Advice.

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Healthcare Payments Resource Guide

The purpose of this guide is to give the reader a basic understanding of the complexities of the healthcare industry, identify key terms, review recent healthcare legislation, and discuss potential impacts on the financial services industry.

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Same Day ACH - A Guide to Opportunities & Implementation

Explores developments made possible by the advent of Same Day ACH.

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The Building Blocks of the ACH File

This "hands-on" learning tool is a MUST for all participants in ACH; Originators (to assist you in working with your programmers of your origination software), ODFIs (make available to help originating companies' format their ACH files), RDFIs, software vendors and individual candidates planning to sit for the AAP exam.

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Third-Party Senders & The ACH Network – An Implementation Guide

This 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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Understanding Internet-Initiated ACH Debits - 2nd Edition

Explains the low-cost, alternative online payment option called a WEB debit.

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