Consumer to Consumer Agreement (Word Document)

This contract can be used when you have a consumer who wishes to send an ACH entry to another consumer.

Third Party Sender Agreement (Word Document) Updated April 2011

This is a sample of an agreement between a FI and a Third Party Sender, a company facilitating other companies for originating ACH.

Company/Financial Institution ACH Origination Agreement (Word Document) (04/2011)

This is a sample agreement between the FI and the originating company. It is to be used as a starting point and tailored to each FI as needed.

Additional Originator Obligations for Specific Standard Entry Class (SEC) Codes (Word Document) (02/2010)

Schedule D to Sample Company/Financial Institution ACH Origination Agreement. Updated to include IAT.

Single Entry Authorization Form

This is a sample of a single entry authorization.

ACH Sending Point Agreement (Word Document) (09/2001)

This is a sample agreement between the FI and an organization that sends ACH entries on their behalf or behalf of their corporate customer.

Trading Partner Agreement (PDF 51KB)

This is a sample of an agreement between two companies that agree to exchange ACH payments.

NEW - ACH Risk Assessment for RDFIs and In-House Origination Form (Excel)

This is meant to be a sample of an ACH Risk Assessment that a financial institution who receives ACH entries and only originates ACH entries for themselves (i.e. loan payments, interest from certificates of deposit, etc) can use. Not all financial institutions are the same, therefore, review the information and include anything that is missing that is relevant to your financial institution.

EFT Bank Error Investigation Report (Excel Document) (02/2011)

This is a sample of an EFT error investigation report that the FI can use for Regulation E compliance.

Report of Possible ACH Rules Violation (Word Document)

This report is completed by a party to an ACH entry when they identify a possible violation to the ACH Rules. UMACHA members should submit this form and documentation to the UMACHA office.

Sample Letter of Indemnity (Word Document)

Stop Payment Request Order Form (Word Document) (09/2011)

Sample Stop Payment Order Request Form. This is a sample of a Stop Payment Request Order Form that you can use for both consumer and corporate ACH payments and paper checks.

Written Statement of Unauthorized Debit (WSUD) Word Document (09/2011) with Notary

This form has a notary section at the bottom.

Instructions for the Written Statement of Unauthorized Debit (09/2011)

These are instructions that you can use when filling out the Written Statement of Unauthorized Debit.

Written Statement of Unauthorized Debit (WSUD) 09/2011

Written Statement of Unauthorized Debit (WSUD) 0911- Word Doc

Written Statement of Unauthorized Debit (with Return Reason Codes) Word Document (09/2011)

Written Statement of Unauthorized Debit (WSUD) with return codes.

UCC4A Primer and Sample Disclosures - Updated January 2011

This is an explanation of UCC4A and a sample of a disclosure that a FI can use.

ACH Stop Payment Procedures (09/2011)

Stop Payment Sample ProceduresThis is a sample of ACH Stop Payment Procedures that you can use to create your own stop payment procedures.

Sample OFAC Policy (Word Document)

This is a sample of an OFAC Policy. Please use this as a starting point for your financial institution.

ACH Policy Sample (Word Document) (01/2011)

This is a sample of a sample ACH Policy. Please use this as a starting point for your financial institution.

NACHA Board of Director Policy Statement - Corporate Account Takeovers (12/2010)

At the October meeting of the NACHA Board of Directors, the Board approved two policy statements: Policy Statement on the Importance of Sound Business Practices to Mitigate Corporate Account Takeover (CAT) and Policy Statement on Use of a Terminated Originator Database (TOD).

These policy statements are designed to provide a clear message for financial institutions and other ACH participants in utilizing:

1. Sound business practices to prevent and mitigate risks associated with Corporate Account Takeover within the ACH Network

2. A Terminated Originator Database as a component of due diligence and risk management process.

The Policy Statement on the Importance of Sound Business Practices to Mitigate Corporate Account Takeover is effective October 21, 2010. The

Policy Statement on Use of a Terminated Originator Database is effective March 1, 2011. Both policy statements will be included in the 2011 Rulebook. Additional information on both topics will be provided by NACHA in the coming months

 NACHA Policy Statement Corporate Account Takeover 12/10

 NACHA Policy Statement Terminated Originator 12/10

Unlawful Internet Gambling Enforcement Act ACH Sample Policy (Word Document) (11/2009)

We have created a sample policy for ACH in regards to Regulation GG; The Unlawful Internet Gambling Enforcement Act. This should be used as a starting point and tailored to your financial institution. There is also one page with sample notices.

Check 21 Checklist: Non-Image to Image (PDF)

Check 21 Image Exchange Issues (PDF)

Check 21: Recredit Claim Notice (PDF)

Check 21: Substitute Checks and Your Rights (PDF)

Copy of Cost Analysis - Attachment B (Excel Form)

Copy of Image Vendor Analysis - Attachment C (Excel Form)