Certification Package: ACH Certification Program
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Expand your knowledge of electronic payments, demonstrate your commitment to professionalism, and maintain a competitive edge in the marketplace by staying informed of the latest developments, requirements, and emerging applications in electronic payments.
This program is available exclusively to members of ePayResources.
Participants are required to complete a broad curriculum covering specific topics within a one year time fram. Upon completion of the required curriculum, candidates must attend a review webinar and earn a passing score on the ePay ACH Certification exam.
Who Should Enroll:
- ACH Operations Personnel
- Financial Institution Training Personnel
- Any professional seeking electronic payments industry certification
Tuition Includes:
- ACH Rules Book and tabs
- Return Reason Code Guide (electronic)
- SEC Code Quick Reference Guide (electronic)
- Access to exclusive Connections community for discussion and study
- ePayResources ACH Certification Exam fee
- Registration fees for required and elective courses
- Tuition for the review course
- Program registration and processing fees
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Contains 6 Component(s)
Welcome letter and acknowledgement, syllabus, outline, road map, and resource links
Welcome letter and acknowledgement, syllabus, outline, road map, and resource links
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Contains 3 Component(s), Includes Credits
Build the knowledge needed to support an RDFI’s daily ACH operations, from governance and posting decisions through exceptions, Returns, and Receiver requests. Twenty focused units provide practical education for RDFI staff and Third-Party Service Providers that support RDFI operations.
ACH receiving operations involve much more than posting entries. This course examines the responsibilities and operational decisions of an RDFI, as well as the work performed by Third-Party Service Providers that support RDFI operations.
The course addresses governance, ACH files and batches, posting and settlement, funds availability, Receiver notices, EDI requests, exceptions, stop payments, Written Statements of Unauthorized Debit, return timing, Notifications of Change, breach of warranty claims, proof of authorization requests, and the relationship between the Nacha Operating Rules and Regulation E.
The content is divided into 20 focused units, creating natural stopping points and allowing learners to complete the approximately six-hour course over multiple sessions.
Successful completion earns 7 continuing education credits.
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Contains 9 Component(s), Includes Credits
Comparative Payments Systems provides concise, entry-level information about electronic payments systems, channels: ACH Network, Check Processing, Wire Transfer Payments, Card Payments, and Real-Time Payments. The interactive learning module provides the principle participants within each payment system and the functions of each. The laws, regulations, and rules that govern each payment channel are specified. The module draws comparisons between the payment systems to provide examples of the complexities and the benefits of each form of payment. Quizzes and study tips supplement the learning process. The course provides a simple and clear understanding of the foundations for each payment channel.
Comparative Payments Systems provides concise, entry-level information about electronic payments systems, channels: ACH Network, Check Processing, Wire Transfer Payments, Card Payments, and Real-Time Payments. The interactive learning module provides the principle participants within each payment system and the functions of each. The laws, regulations, and rules that govern each payment channel are specified. The module draws comparisons between the payment systems to provide examples of the complexities and the benefits of each form of payment. Quizzes and study tips supplement the learning process. The course provides a simple and clear understanding of the foundations for each payment channel. -
Contains 3 Component(s), Includes Credits
With frequent changes to the ACH Rules, it becomes increasingly difficult to safely maneuver through the ever-changing electronic payments industry. Navigating the ACH Rules Book is designed to clarify the complex nature of the ACH Rules Book, the ACH Rules Online and their organization.
With frequent changes to the ACH Rules, it becomes increasingly difficult to safely maneuver through the ever-changing electronic payments industry. Navigating the ACH Rules Book is designed to clarify the complex nature of the ACH Rules Book, the ACH Rules Online and their organization. -
Contains 5 Component(s), Includes Credits
To assist payments professionals in understanding the various types of Entries supported in the ACH Network, the Nacha Operating Rules compliance related to Standard Entry Class Codes, authorization requirements, Entries used for specific purposes, specifications, and participant education. 80 minutes
To assist payments professionals in understanding the various types of Entries supported in the ACH Network, the Nacha Operating Rules compliance related to Standard Entry Class Codes, authorization requirements, Entries used for specific purposes, specifications, and participant education 80 minutes
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Contains 3 Component(s), Includes Credits
Exception item processing is one of the largest potential areas of loss for financial institutions. Understanding exception item processing under the ACH Rules is critical to your institution. This course provides an overview of RDFI responsibilities like excused delay, stop payment orders, Written Statement of Unauthorized Debit forms, reversals, recalls, and rejects. We also examine the difference between administrative returns and extended returns, including the applicable time frames, responsibilities, warranties, risks, and limitations. Access this course to gain an in-depth understanding of return time frames beyond standard two-day returns and the documents required for extended returns. Estimated time for completion is 140 minutes. This equates to 2.8 AAP and APRP CECs.
Exception item processing is one of the largest potential areas of loss for financial institutions. Understanding exception item processing under the ACH Rules is critical to your institution. This course provides an overview of RDFI responsibilities like excused delay, stop payment orders, Written Statement of Unauthorized Debit forms, reversals, recalls, and rejects. We also examine the difference between administrative returns and extended returns, including the applicable time frames, responsibilities, warranties, risks, and limitations. Access this course to gain an in-depth understanding of return time frames beyond standard two-day returns and the documents required for extended returns. -
Contains 4 Component(s), Includes Credits
During an ACH career, chances are great that you will find yourself deliberating what to do with an ACH exception and wondering what happens after a Return. This course clarifies the responsibilities of each Participating DFI and identifies responses to Return Entries, Dishonored Return Entries, Contested or corrected dishonored Return Entries, and ACH Operator Rejects. Because the Return process does not resolve every dispute between ODFI and RDFI, the course also discusses some manual resolution choices available. This interactive micro-session is approximately 20 minutes in length and worth 0.40 AAP and .040 APRP continuing education credits.
During an ACH career, chances are great that you will find yourself deliberating what to do with an ACH exception and wondering what happens after a Return. This course clarifies the responsibilities of each Participating DFI and identifies responses to Return Entries, Dishonored Return Entries, Contested or corrected dishonored Return Entries, and ACH Operator Rejects. Because the Return process does not resolve every dispute between ODFI and RDFI, the course also discusses some manual resolution choices available. This interactive micro-session is approximately 20 minutes in length and worth 0.40 AAP and .040 APRP continuing education credits.
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Contains 3 Component(s), Includes Credits
A practical, end-to-end course for ODFIs responsible for ACH origination. Learn how policy, underwriting, monitoring, Direct Access oversight, and offboarding decisions connect—and where risk shows up when they don’t.
ACH Operations: ODFI is a comprehensive, operations-focused course designed for financial institutions that originate Entries and bear the warranties, settlement responsibility, and risk that come with that role.
The course follows the full lifecycle of an ACH origination program—from policy and board engagement, through underwriting and onboarding, into monitoring, Direct Access oversight, and ultimately offboarding and relationship termination. Rather than treating these topics as standalone concepts, the course emphasizes how decisions made early in the program shape exposure, operational workload, and escalation paths later.
Learners work through real-world scenarios, knowledge checks, and decision exercises that reflect how ODFIs evaluate risk, respond to red flags, manage Third-Party relationships, and maintain alignment with board-approved policy and risk appetite. The focus stays on judgment, documentation, and accountability—not theory alone.
This course is structured as 20 discrete micro-sessions, each designed to be completed in under 20 minutes. Learners may complete units individually or progress through the full course in sequence.
Estimated learner time: Approximately 6–7 hours, depending on pace, review, and interaction with scenarios and knowledge checks.
This course is well-suited for ACH operations staff, risk and compliance professionals, treasury management teams, and others involved in originating Entries or overseeing origination programs at an ODFI.
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Contains 4 Component(s), Includes Credits
This course is designed with ePayResources ACH Certification candidates and AAP candidates in mind. Specifically for you, we distilled the Risk Management test category to the essentials. We threw in a great discussion of risk mitigation techniques like an ACH Rule Compliance Audit and ACH Risk Assessment.
This course is designed with ePayResources ACH Certification candidates and AAP candidates in mind. Specifically for you, we distilled the Risk Management test category to the essentials. We threw in a great discussion of risk mitigation techniques like an ACH Rule Compliance Audit and ACH Risk Assessment. -
Contains 3 Component(s), Includes Credits
This course is designed to provide registrants with the knowledge to successfully navigate the Nacha approved File format; support ACH conversion activities; trouble-shoot rejected Files and Entries; and to monitor on-going technical compliance.
In today's rapidly changing payments environment, ACH technical expertise is critical to the effective management of ACH operations and for the monitoring of compliance with Nacha's Operating Rules. Additionally, the accuracy of ACH formatting has a direct impact on a Participating DFI's risks associated with processing errors and exceptions. This On Demand course is designed to provide registrants with the knowledge to successfully navigate the Nacha approved File format; support ACH conversion activities; trouble-shoot rejected Files and Entries; and to monitor on-going technical compliance.