I am interested in knowing how your banks are complying with the responsibility of providing the NACHA rules to your customers who are originating ACH entries? Do you send them a NACHA book each year?

We have always provided our originators with a copy of the Corporate Version of the rules as well as the link to our regional NACHA association if they want more copies or other items. We feel this is cost effective and cuts down or questions and issues.

Thanks Sonic...that's what I'm looking for!

In our last ACH audit, we were written up for not providing our originators enough education regarding their responsibilities. We do provide them with a copy of the Corporate Rules each year, but evidently that was not good enough. Wouldn't it be great if our ACH associations would present seminars/webinars directed toward our corporate originators, and we could invite them to attend? Maybe BOL could come up with something like that! (Hint, hint...)

The ACH manager here sends the Bank's originating customers a letter on an annual basis reminding the Originators of their responsibilities. It's not very complicated here, as our Bank originates payroll transactions for a handful of corporate customers. Many of the obligations, ie payment stopped do not apply because of the nature of a payroll transaction.

When I perform the audit I make sure that a letter was sent to each customer within the previous year and that it details all applicable responsibilities of the Originators.

I work for one of those ACH Associations. I believe that a majority of the challenges that we have in the ACH Network is a direct result of the lack of education provided to the corporations. I would bet that if you approached your regional association with this idea of getting Originators as an audience for training that they would embrace it wholeheartedly!!

I encourage you to contact your ACH Association with this idea.