In today’s quickly changing environment it can be very difficult to be an “expert” in every area. With UMACHA you get a resource that is the electronic payments expert. Our staff of Accredited ACH Professionals (AAP) has accumulated over 70 years of banking experience.

As members of NACHA and ECCHO, including work groups and councils, as well as bank and credit union associations and leagues, UMACHA remains on the cutting edge of payments information.

We are committed to providing our members with the most up-to-date information available. Best of all, we are only a phone call away.


UMACHA sets the standard for education regarding electronic payments. We offer well-organized in-person workshops, interactive webinars, on-site training, and informative publications. UMACHA members receive discount pricing on most education and have access to occasional free member’s only opportunities.

Here is a sampling of the topics we have provided education on in the last year:

  • ACH Audit / Risk Assessments

  • The New Stop Payment Rules— ACH Rules and Regulation E

  • Healthcare Payments

  • Check Conversion Options such as ARC/BOC/POP and RCK
  • RDC Risk Assessments

  • Stop Payments vs.
    Unauthorized Entries

  • International ACH Transactions

  • Electronic Payments Fraud and Data Security

For a free webinar sample, click HERE

Risk Mitigation

Risk management will always be a priority. UMACHA can assist you in your risk management program. We have the expertise to either perform or train you to perform your ACH Audit, ACH Risk Assessment and/or RDC Risk Assessment. The best way to mitigate risk is to have a well-trained staff. At UMACHA we continuously update our educational offerings to include the most up to date risk management requirements. We provide sample Risk Management policies to help financial institutions create and implement a strong risk management program for electronic payments.

Service Improvement

With the education available from UMACHA, your frontline staff can answer your customers’ inquiries, as well as offer appropriate solutions for your customers/members needs. Your operations staff can institute procedures to ensure efficient and correct processing to mitigate risk and decrease errors.

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