Publications
NEACH offers a wide variety of publications that focus on a particular area of interest, such as compliance, risk, third party relationships, ACH operations and ACH rules. These valuable tools help you increase awareness and understanding of established rules and applications, increase operational efficiency and reduce risk. Many of these publications, forms and checklists should be made available in the ACH operations area for quick reference.
| ACH Reference Materials |
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The standard ACH agreements and Third-Party Sender agreements are provided on this CD, which allows easy customization by financial institutions. The agreements include a shell origination agreement and separate agreements to cover the issues specific to the ACH application being utilized. Also included are helpful Originator information sheets, logs, calendars, checklists and sample authorizations.
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$40.00
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$80.00
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This newly revised edition is designed specifically for financial institutions to assist them in marketing and selling ACH products and services to customers and prospects.
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$22.00
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$40.00
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The ACH Participant Directory, published by Accuity and developed in partnership with NACHA, provides quick access to routing numbers and contact information for financial institutions that participate in the ACH Network.
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$99.99
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$99.99
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This new edition is designed to educate companies about the older (Direct Deposit, Direct Payment) ACH products as well as the benefits to both the company and their customers of the newer ACH applications: TEL, WEB, RCK, POP, ARC and Corporate Trading Partner payments.
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$20.00
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$40.00
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This is the most comprehensive guide of its kind! Whether you are already originating, new to Origination or considering originating your own transactions, this Resource Manual and CD set is a must have for any FI or corporate entity. Do you need one easy-to-understand resource that addresses everything about ACH Origination in plain English? As an FI, this invaluable resource is essential for setting up your Origination processes and marketing your ACH Origination services to corporate customers. As a Corporate entity, this handy desk reference demystifies Origination and answers your most pressing questions.
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$75.00
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$99.99
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New for 2008!
ACHPro is a self-paced, computer-based training tool developed to increase knowledge of ACH. This program provides ACH and EFT professionals with a unique method of measuring knowledge of ACH and understanding which areas require additional improvement. Updated for 2008 with over 172 changes to questions and 26 new questions, this is the biggest update in years!
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$69.00
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$99.00
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The Buyer's Guide is an annual directory of payment services.
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The purpose of the Guide to ACH Origination is to help Originating Depository Financial Institutions (ODFIs) establish and maintain successful ACH origination operations. This spiral-bound, easy-to-use guide examines the benefits and risks of origination, explains the preliminary requirements, discusses the responsibilities of the ODFI and addresses implementation concerns regarding specific ACH payment applications. Financial institutions have found it to be a very valuable educational tool when training corporate customers.
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$27.00
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$60.00
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Provides financial institutions with a "generic" agreement for third party payroll origination, with a goal of limiting the bank's liability to the greatest extent possible and extending ACH Operating Rule requirements to all participants. Designed so that it may be signed directly between the third party processor and ODFI, or as a three-way agreement including the originating company.
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$50.00
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$99.99
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This publication is a revision to the original publication, Understanding Internet-initiated ACH Debits which was published in 2001 when the WEB rule was created. This amended version of the original publication has resulted from a changing ecommerce landscape over the last several years, together with several changes to the WEB rule that are worth noting and understanding for your organization to offer this low-cost, alternative online payment option.
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$38.00
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$60.00
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| Corporate Reference Manuals |
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The 2008 Corporate Rules is also available on CD. The CD is a self-executable exe file that can be accessed from your pc. A great time-saving table of contents feature allows you to narrow your search to a specific sections within the Rules. This edition includes the 2008 Guide to Implementing the 2008 NACHA Rules changes, the 2008 NACHA Operating Rules, an ACH Rules Primer, with an overview of the ACH Network and how it works, plus sections on ACH system development and originators. For corporations and financial institutions with corporate clients.
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$14.00
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$37.00
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2008 ACH Operating Rules, Corporate Edition focuses on rules and information pertinent to corporate ACH payments.
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$14.00
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$37.00
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This tool, modeled after the popular Quick Reference Cards for Financial Institutions, is designed specifically for Corporate ACH users. This fourcard 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 the responsibility of the Originating Depository Financial Institution. These colorful and durable desktop reference cards now 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.
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$18.00
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$36.00
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This is the most comprehensive guide of its kind! Whether you are already originating, new to Origination or considering originating your own transactions, this Resource Manual and CD set is a must have for any FI or corporate entity. Do you need one easy-to-understand resource that addresses everything about ACH Origination in plain English? As an FI, this invaluable resource is essential for setting up your Origination processes and marketing your ACH Origination services to corporate customers. As a Corporate entity, this handy desk reference demystifies Origination and answers your most pressing questions.
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$75.00
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$99.99
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This publication from NACHA – The Electronic Payments Association and the Council for Electronic Billing and Payment describes how billers and/or their processing partners can use the ACH Network for collecting bill payments and manage receivables in both business and consumer channels. Areas covered in each section include a description of the application, the benefits of each, authorization requirements and process flows. Also included are B2B and B2C Receivables ROI calculators, a sample remittance processing/concentration questionnaire for RFP/RFI submissions and examples of ODFI, Originator and B2B biller-customer agreements.
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$25.00
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$40.00
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These business-friendly statement stuffers will help businesses understand how and why their business checks get converted to ACH items (ARC/POP) via the ACH and what they can do to "opt out" of check conversion. Developed to create awareness, these stuffers are similar in design to the Consumer Education Statement Stuffers. 250/Pack
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$18.00
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$36.00
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On October 28, 2004 the Check 21 legislation became law. From then on, consumers who are accustomed to getting their checks back won't . . . and they will have questions. To help you answer those questions, this statement stuffer was developed and briefly explains Check 21 and what a substitute check is. The check 21 consumer statement stuffer is sold in lots of 250. 3.5" x 8.5" (2004)
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$18.00
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$36.00
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The Check 21 legislation requires that you provide training to your staff! To assist you with that, we have created a Check 21 Tool Kit that compares error resolution charts, a Q&A section, and provides copies of turnkey presentations and a written test. (2004)
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$40.00
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$99.99
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For more in-depth consumer education, these Check 21 vs. e-Check brochures are a must. This brochure explains the difference between Check 21 (and substitute checks) and other eCheck applications (such as ARC) in an easy to understand question and answer format. The brochures are sold in packs of 100. (2004)
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$18.00
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$36.00
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This step-by-step implementation manual is designed to help financial institutions and companies execute joint marketing of direct payment programs. Topics covered include the benefits of direct payment through joint promotion, marketing strategies, how to recruit partner financial institutions and companies, developing marketing materials, and administration of the joint program. The guide also includes a sample implementation schedule, sample authorization forms and collateral materials, and a program implementation checklist. For financial institutions and com panies interested in the cost savings and rewards that joint marketing can deliver. (1995)
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$15.00
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$30.00
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This publication from NACHA is designed to assist you in achieving high rates of participation for your EBPP program. Many corporations and other organizations that send bills to consumers offer Electronic Bill Presentment and Payment (EBPP) as an alternative to paper bills and check payments. Consumer participation is the key to realizing the expected benefits from EBPP, such as cost reduction, processing efficiencies, and customer retention. This Guide defines customer segmentation and marketing techniques designed to increase consumer usage of EBPP service across the spectrum of biller industries. Biller profiles are also provided, illustrating how these techniques are being applied.
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$25.00
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$40.00
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| Electronic Check |
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BOC entries go into effect on March 16, 2007. This new publication from NACHA – The Electronic Payments Association will give you the information you need to implement this time- and cost-saving option. Chapters cover Originating Company, ODFI and RDFI perspectives, including: benefits, economic incentives; NACHA Operating Rules and legal framework; getting started; risk management for BOC entries; frequently asked questions; sample notification and statement language; and BOC economic framework. (2007)
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$30.00
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$55.00
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Are you tired of wasting time and money trying to collect on checks returned for insufficient funds (NSF)? Now there's a faster, cheaper, more efficient way— re-presenting checks electronically through the ACH Network! The Guide for Implementing a Re-Presented Check Entry Program has been developed by experts at the National Automated Clearing House Association (NACHA) to help you take advantage of this new application. In it you'll find everything you need to determine if a re-presented check program is right for your organization and how to comply with the new RCK rules.
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$20.00
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$40.00
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The Rules covering Telephone-Initiated ACH Debits went into effect on September 14, 2001. This publication from NACHA - The Electronic Payments Association, will give you the information you the need to offer this option. Subjects covered include (2002):
• Preface - How to Use this Guide
• Chapter One: Introduction & Overview
• Chapter Two: Telephone-Initiated Debit Entries: Getting Started
• Chapter Three: Risk Management for TEL Entries
• Chapter Four: Case Studies
• Chapter Five: PPD Telephone-Initiated Transactions
• Chapter Six: Frequently Asked Questions
• Chapter Seven: The Automated Clearing House Network
• Chapter 8: Best Practices Checklist
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$20.00
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$40.00
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Accounts Receivable Entries went into effect on March 15, 2002. This publication from NACHA - The Electronic Payments Association, will give you the information you the need to offer this option. Subjects covered include (2007):
• Chapter 1: Introduction and Overview
• Chapter 2: Accounts Receivable Entries – Getting Started
• Chapter 3: Risk Management for Accounts Receivable Entries
• Chapter 4: Frequently Asked Questions
• Chapter 5: Sample Notification and Statement Language
• Chapter 6: The Automated Clearing House Network
• Chapter 7: Accounts Receivable Economic Framework
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$20.00
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$40.00
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This manual will assist those who are planning to offer Remote Deposit services to evaluate the benefits and provides suggestions on how to choose a vendor, how to implement this technology, what should be in the agreement, and how to determine the best course to take when moving forward. Created in Word 2003, the manual is provided on a CDROM. (2007)
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$75.00
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$99.99
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| Quick Reference |
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A seven-card series: ACH Returns, Dishonored and Contested Dishonored Returns, Notifications of Change (NOC), Special Exceptions (including Operator Rejects and Government Payments), Electronic Check Applications, Check Conversion FAQs, and 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. Seminar attendees overwhelmingly agree that this seven-card reference set is one of the most useful ACH resources available to them. The cards have been updated to include WEB and TEL and include expanded information on Government Payments.
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$27.00
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$55.00
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This tool, modeled after the popular Quick Reference Cards for Financial Institutions, is designed specifically for Corporate ACH users. This fourcard 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 the responsibility of the Originating Depository Financial Institution. These colorful and durable desktop reference cards now 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.
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$18.00
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$36.00
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These user-friendly Quick Reference Cards for Frontline Staff provide an overview of the ACH network and provide answers to commonly asked questions such as "how to recognize an ACH entry on a statement", "what to do if a check with a Stop Payment order on it comes through via the ACH", "what to do if a transaction is reported as unauthorized or authorization revoked", and "what to do if you learn a customer has died." Other useful information is included such as the SEC code related to specific transactions, the return or retention time frame and whether or not the customer needs to complete a Written Statement Under Penalty of Perjury form. Set of 4 cards. (2006).
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$18.00
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$36.00
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Updated for 2008, this popular tool is used for training and as an everyday operational resource. The spiral bound, easy-to-use guide is updated with the very latest information for 2008, including expanded sections on legal framework, rules compliance, ACH applications and exception handling. The guide provides the 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 very valuable education tool when training new operations employees.
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$17.00
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$35.00
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Covering the ACH, card and check payment systems, this handy desktop reference guides the frontline staff through common customer/member issues so that they can quickly and correctly handle disputes and questions, including those related to fraud. This reference can help identify payment type and return deadlines which will aid in addressing statement questions. Additionally, your frontline will have access to information enabling them to assist customers/ members who have been victims of identity theft or elder abuse. (2008)
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$27.00
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$60.00
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Redesigned in 2007! Expedite your exception item processing with this handy spiral-bound guide to ACH returns and notifications of change. This quick desktop reference categorizes the return reason codes by function and provides a description of each, with helpful hints for proper usage and return time frame reminders. The back cover shows you at a glance which return reason codes have an extended "60 day" time frame, and which ones require a Written Statement Under Penalty of Perjury from the Receiver. This popular guide also includes definitions of ACH participants and standard entry class codes; listings of notification of change codes and transaction codes; and a calendar of Federal Reserve Bank holidays through 2010. Truly a must-have! (2008)
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$17.00
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$34.00
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No more flipping through page after page to find Return Reason Codes or authorization requirements! Convenient self-stick Rules Book tabs are available in sets of 25 pre-printed tabs to mark those sections of the ACH Rules Book that are referenced most often. Different colors make it easy to quickly pinpoint the tab you need. Also included are 8 blank write-on tabs so that you can create your own! Handy reference sheet tells you page number for placement of each tab. Once you put these in place, you'll wonder how you ever functioned without them!
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$4.00
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$8.00
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A complete 4-card set, includes nine SEC Codes: ARC, POP, BOC (effective 3/16/07), RCK, WEB, TEL, PPD, CCD & CTX. 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! (2007)
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$15.00
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$30.00
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| Risk Management & Compliance |
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This manual has been updated to reflect Rule changes to date including BOC, as well as new information on Rules enforcement and the Board policy on data security.
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$30.00
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$75.00
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The ACH Audit Workbook on CD includes the binder with copies of all work papers, checklists and sample policies/reports. The revised ACH Audit Workbook is designed to assist financial institutions and Third-Party Service Providers in the completion of the required annual audit. Included in this complete step-by-step audit resource is the audit criteria for all participants, worksheets for each of the criteria, a compliance checklist and sample audit policy and audit report. An auditor's checklist & worksheets for all of the expanded audit criteria are new additions for this year.
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$85.00
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$99.99
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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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$40.00
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$60.00
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An updated edition explains the four types of ACH payments risk, assesses the operational implications, and provides guidelines for developing an effective risk management program. For financial institutions, processors, governments, corporations, and other ACH participants
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$30.00
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$65.00
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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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$60.00
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$80.00
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The Guide is arranged to provide an overview of the ACH Network and risk issues involved to assist those new to the ACH Network Subsequent chapters address the specific risk issues related to Internet, Electronic Check and Telephone-Initiated ACH payments from the Originator, ODFI and RDFI perspectives.
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$35.00
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$55.00
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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. Third Party Senders & The ACH Network: An Implementation Guide is designed primarily for use by Originators, ODFIs, and those Third-Party Service Providers that act in the specific role of Third-Party Senders as defined by the NACHA Operating Rules.
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$30.00
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$60.00
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