Agreements, Forms & Guides

ACH Agreement between ODFI / Originator

Updated for Same-Day ACH! This product, in Microsoft Word, provides a modifiable template for defining the responsibilities of Originators updated to the 2021 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)

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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. The Agreement contains a customizable Microsoft Word document that includes critical forms and conditions between these parties. Item Number - 537-AN 2019 - Available Electronically

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Business & Consumer Online Banking Agreement

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

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Business Online Banking Cash Mgmt Master Svc Agreement

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 2019 - Available Electronically

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Remote Deposit Capture Agreement

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

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Wire Transfer Agreement

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

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ACH Quick Reference Guide-Electronic Version Only

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. Updates have been made to the Guide to ensure ACH users understand the update R17 Return Reason Code for Questionable Entries. (Electronic Version Only)

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ACH Quick Reference Cards for Corporate Users

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 tools to Originators to help them understand ACH processes.

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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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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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