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WACHA
W177 N9886 Rivercrest Dr.,
Suite 112
Germantown, WI 53022
Phone: 262-345-1245
Toll Free: 800-453-1843
Fax: 262-345-1246
Email: info@wacha.org

ACH Audit Guide

The ACH Operating Rules require that every participant in the ACH Network perform an ACH audit by December 1st of each year. WACHA has available an ACH Audit Guide that takes you step-by-step through the audit process. This document is available in either a hard copy or online in an electronic format for ease in updating it. The Guide is updated annually to address all current requirements of the ACH Operating Rules. (Item #27(a)(b)on the WACHA Order Form)

ACH Compliance Manual

Written in plain English, this easy-to-understand manual is designed to help users apply the ACH Rules, and other pertinent regulations, to their organization. Each chapter addresses not only the NACHA Operating Rules, but also Regulation E, UCC Article 4A and 31 CFR Parts 203, 210 and 370 as applicable. "Helpful Compliance Tips" are included in each chapter, as well as a resource listing section and a glossary of terms and acronyms. (Item #2 on the WACHA Order Form)

ACH Operating Rules

All WACHA members automatically receive the newest version of the ACH Operating Rules each year when they renew their WACHA membership. Additional copies, if required, are available for purchase from WACHA. The ACH Operating Rules is the definitive source for the rules and regulations governing the ACH Network. Included is an ACH Rule Primer, the Federal Reserve Uniform Operating Circular, Regulation E and Official Staff Commentary, Electronic Funds Transfer Act, Federal Tax Deposit Payments and Title 31 CFR Parts 208 and 210. When you purchase the ACH Operating Rules you are also given a password to access the ACH Rules Online allowing full search and bookmarking capabilities. (Item #8 on the WACHA Order Form)

ACH Operating Rules, Corporate Edition

Similar to the complete ACH Operating Rules, this publication focuses on the rules and regulations and information which is specific to Corporate ACH payments and offers limited access to ACH Rules Online. This is the version of the Operating Rules that financial institutions would provide to their corporate customers. (Item #9 on the WACHA Order Form)

ACH Procedures Manual Template

Provided in an electronic format on a CD-ROM, this manual is designed to assist you with the creation and documentation of your internal ACH procedures. This fully customizable document contains an ACH Glossary of Terms, ACH Contact Information, Sample Policies, Exception Handling requirements and a template for documenting your internal procedures with regard to Risk Management, Reconcilement, Training, Contingency Planning and auditing from both the receiving and origination aspect. (Item #33 on the WACHA Order Form)

ACH Procedures Manual Template for Frontline Staff

Similar in layout to the regular ACH Procedures Manual template above, this template is designed to assist you with the creation and documentation of the internal ACH procedures specifically as they relate to your frontline staff. Like the regular ACH Procedures Manual, this document is provided on a fully customizable CD-ROM and contains an ACH Glossary, an overview of the ACH network and the types of entries permitted, the authorization and retention requirements for these entries, and the requirements for handling Stop Payments, Authorization Revoked, Unauthorized and Corporate returns. Additionally, it defines the handling of Government exceptions such as Death Notifications, Reclamations and Non-Receipt Requests. Finally, an example of a Written Statement Under Penalty of Perjury is also included. (Item #28 of the WACHA Order Form)

ACH Risk Management Handbook

Designed for financial institutions, processors, governments, corporations, and other ACH participants, this manual explains the four types of ACH payments risks, assesses the operational implications, and provides guidelines for developing an effective risk management program. (Item #3 on the WACHA Order Form)

Business Check Conversion Statement Stuffers (sold in packs of 250)

Check conversion via the ACH (ARC or POP) is becoming more and more commonplace. This statement stuffer (similar in size and design to our other consumer statement stuffers) is designed to be included in the periodic statement and explains to the consumer how checks presented in person at the point-of-purchase or dropped in a lockbox might be converted to ACH entries. It also explains how to "opt out" of check conversion if they so desire. (Item #13 on the WACHA Order Form)

Check 21 Tool Kit

The Check 21 legislation requires that you provide training to your staff on Check 21. To assist you with this task, WACHA has created a Check 21 Tool Kit containing all the materials you will need to effectively train your staff on Check 21 and its impact to the consumer. The kit contains charts comparing Regulation E error resolution to Check 21 error resolution, a Q&A section of those questions most commonly asked with regard to Check 21, and copies of turnkey presentations and a written test on Check 21 to use when training your personnel. (Item #45 on the WACHA Order Form)

Check 21 Q&A Cards (4 cards to a set)

Another item available from WACHA to assist you with your Check 21 education requirement is the Check 21 Q&A Cards. These cards address those questions that the consumer, as well as your retail/operations staff, will most likely need answered regarding Check 21. One card specifically addresses questions that the consumer may have with regard to Check 21. Another card addresses operational questions and issues that your staff may have. The third card describes the elements of a "substitute check" and the last card outlines the Error Resolution procedures you will have to follow if your customer should want to file an expedited re-credit claim. (Item #29 on the WACHA Order Form)

Check 21 Consumer Statement Stuffers (sold in packs of 250)

This statement stuffer is designed to educate the consumer by explaining what the Check 21 legislation is and graphically illustrating what a substitute check looks like. (Item #41 on the WACHA Order Form)

Check 21 versus E-Check Consumer Brochures (sold in packs of 100)

Consumers are confused regarding the difference between Check 21 and e-check applications such as ARC. This tri-fold brochure explains (in an easy to understand Q/A format) the difference between a check converted to a paper instrument (a substitute check) under Check 21 and a check converted to an ACH item (an ARC entry), as well as their rights and obligations if an error or dispute arises. (Item #43 on the WACHA Order Form)

Check 21 Expedited Re-Credit Claim Forms (sold in packs of 25)

Under the Check 21 legislation, if a customer alleges that their account was improperly charged due to a substitute check, the customer may file an Expedited Re-credit Claim form. This 3-part form accommodates the customers' claim and request for re-credit and provides space for the claimant bank and the indemnifying bank to record their actions with regard to the claim. (Item #44 on the WACHA Order Form)

Consumer Education Statement Stuffers (sold in packs of 250)

Five versions of this statement stuffer are available to help you educate your customers regarding each of the latest ACH applications (i.e. ARC, POP, RCK, BOC and WEB/TEL). These statement stuffers are sized and designed to be included in the periodic statement and explain how each of these entries transpire, what the consumers' rights and obligations are and what the consumer should do if there should be an error or dispute. (Item #s 24, 25, 26, 100 and 40 on the WACHA Order Form)

Corporate ACH User Quick Reference Cards

This 3-card set is specifically designed for Corporate ACH Users and 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 (NOCs). These cards are the ideal tool for educating the Originator, which is the responsibility of the ODFI. (Item #22 on the WACHA Order Form)

Frontline Quick Reference Cards

This set of 4 user-friendly Quick Reference Cards provides an overview of the ACH network and answers those questions most commonly asked of frontline personnel and other useful information such as the SEC code related to specific transactions, the return or retention time frames and whether or not the customer needs to complete a Written Statement Under Penalty of Perjury. (Item #46 on the WACHA Order Form)

Guide to Implementinghttp://www.wacha.org.

These publications are available in five different versions: 1) Guide to Implementing a Back Office Conversion Entry Program (Item #104 on the WACHA Order Form); 2) Guide to Implementing a Re-presented Check Entry Program (Item #50); 3) Guide to Implementing a Point-of-Purchase Entry Program (Item #57); 4) Guide to Implementing a Telephone-Initiated ACH Debit Program (Item #54); and 5) Guide to Implementing an Accounts Receivable Entry Program (Item #52). Designed to help you determine if these programs are right for your organization, these publications will explain how to get started, the benefits, legal framework and how to comply with the NACHA Operating Rules as they apply to this application.

Guide to ACH Origination

The purpose of this Guide is to help 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. (Item # 53 on the WACHA Order Form)

Returns/Retention Quick Reference Cards (12 cards per set)

These spiral bound cards serve as a quick reference guide to ACH returns requirements and codes. The information is sorted by return reason, making the task of determining the correct Return Reason Code to be used much easier. In addition, the document contains a Glossary of Return Terms and the requirements for returning Government and Cross Border entries, Notifications of Change and ACH return timeframes and record retention requirements. All ACH and Frontline personnel should be provided with a set of these handy reference cards. (Item #23 on the WACHA Order Form)

Regulation E Book - Guidelines for ACH Compliance

This book is intended to help you understand and comply with Regulation E as it applies to ACH transfers. (Item #31 on the WACHA Order Form)

Remote Deposit Resource Guide

Provided in an electronic format on a CD-ROM, 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 the technology, what should be in the agreement, and how to determine the best course to take when moving forward. (Item #103 on the WACHA Order Form)

Revised Uniform Commercial Code Article 4A and the ACH

Designed for financial institutions and corporations that handle ACH wholesale credits, this publication is written in easy-to-understand language and evaluates the impact of UCC4A on security procedures and bank/corporate agreements.

Risk Management for the New Generation of ACH Payments: Internet, Electronic Check, and Telephone Payments

This guides is arranged to provide an overview of the Ach Network and risk issues involved to assist those new to the ACH Network. Issues written from the perspective of the Origination, ODFI and RDFI include Internet, Electronic Check and Telephone-initiated payments. (Item #77 on the WACH Order Form)

Telephone-Initiated Authorization Confirmation Forms

This two-part form is designed to help you meet the necessary NACHA Operating Rules disclosure/confirmation requirements with regard to transactions which have been authorized via the telephone. (Item #39 on the WACHA Order Form)

Third Party Senders & The ACH Network: An Implementation Guide

This publication, designed primarily for use by Originators, ODFIs and Third Party Senders, provides a review of the variations in legal requirements and processing obligations relating to the origination of ACH entries when a Thirdy Party Service Provider, acting as a Third Party Sender, is involved in the origination of transactions through the ACH Network. (Item #42 on the WACHA Order Form)

Understanding Internet-Initiated ACH Debits

This publication is a revision to the original publication published in 2001 when the WEB rule was created. This amended version of the original publication has resulted from a chaning commerce landscape over the last several years, together with several changes to the WEB rule that are worth noting and understanding. (Item #75 on the WACHA Order Form)

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