Using the ACH is a powerful and convenient addition to your receivables management tools. It brings with it some very important responsibilities. Your lack of understanding of these responsibilities could result in grave consequences for you and your company.

This booklet is intended to provide you with the essential information you need in order to operate a successful ACH program without encountering an uninformed failure to comply with established rules which could result in the levying of fines against your company.

The first section of this booklet provides important general information for all ORIGINATORS (your company is an Originator) followed by information that is specific to the type or types of transactions that your company has been approved to originate. Please read the General Information Section, then any Requirements for the SEC Code(s) you will use. SEC or Standard Entry Class Codes define the types of transactions you are authorized to originate. Each type carries its own distinct rules and guidelines, so be sure you fully understand your particular type(s).

It is vital that anyone in your firm that is connected to acquiring information from your RECEIVERS (those you send debit or credit transactions to), handling that information in any way, or responsible for interacting with the AllianceACHtm System, read and understand this information.

If you have any questions regarding the information contained in this booklet please feel free to call our Merchant Support Department at 800-923-8652.

Download our "Do You Know The Rules?" PDF