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Check Exceptions Part One & Two On-demand

There are distinct advantages - and potential for customer impact - to each method used to send a check back to the Bank of First Deposit, i.e., a return versus an adjustment. This session discusses the Paying Bank's legal right to return a check within very strict deadlines compared to a more forgiving time frame for check adjustment.

PART ONE = Check Returns
With a focus on returns, we step through the most common check return reasons and any associated documentation the Paying Bank should obtain prior to return. Check law addressing return timing and liability will be examined as well.

If you want to learn the appropriate use of the most common check return reasons and how to find the most expeditious path back to the BOFD by using data in the image cash letter file, this session is for you!

PART TWO = Check Adjustments
With a focus on check adjustments, we will discuss reasons why the adjustment process may be the smartest course of action; the most common check adjustments used; definitions of adjustment types and their associated time frames; and where the warranties may be found to make one's case for the adjustment claim and the statute of limitations for the claim.

We will also share the process of making a demand letter in instances where an adjustment claim is not available. If you want to learn why an adjustment is sometimes the better option to minimize customer impact, this session is for you!

Take-aways:
*Proper use of Return Codes white paper
*Payee Indorsements Issue white paper
*Resolving Duplicates as Adjustments vs. Return white paper
*UCD V1.3

This On Demand course may be selected as an elective for the ePayResources ACH Certification Program.

NOTE: On Demand courses remain available for 90 calendar days after registration is processed. This period includes nights and weekends. Unlimited viewing is allowed within the 90-day period. Once the 90-day interval expires, the course may not be accessed again. Additional registration may be processed for an additional fee.

AAP Credits: Up to 3.3
$245.00
$495.00
$495.00
Available Electronically

Check Returns

Generic Event Image
There are distinct advantages - and potential for customer impact - to each method used to send a check back to the Bank of First Deposit, i.e., a return versus an adjustment. This session discusses the Paying Bank's legal right to return a check within very strict deadlines compared to a more forgiving time frame for check adjustment. With a focus on returns, we step through the most common check return reasons and any associated documentation the Paying Bank should obtain prior to return. Check law addressing return timing and liability will be examined as well. Come learn the appropriate use of the most common check return reasons and how to find the most expeditious path back to the BOFD by using data in the image cash letter file!

*This session is free to ePay members with ePayU access
Tuesday, May 25, 2021
Tuesday, May 25, 2021
$295.00 - $695.00
$695.00


Check this out! Updates to Regulation CC On-demand

It's been a decade since we've seen major changes to Reg CC, but the wait is over! The Federal Reserve has released changes to Regulation CC and continues to seek comments on additional changes.

If your Financial Institution processes checks, these changes will have a direct impact on your operations, policies, and procedures.

Join the check experts at ePayResources to get the latest information and how to prepare for the upcoming changes.

This On Demand course may be selected as an elective for the ePayResources ACH Certification Program.

NOTE: On Demand courses remain available for 90 calendar days after registration is processed. This period includes nights and weekends. Unlimited viewing is allowed within the 90-day period. Once the 90-day interval expires, the course may not be accessed again. Additional registration may be processed for an additional fee.

AAP Credits: Up to 1.4
$245.00
$495.00
$495.00
Available Electronically

Check Warranties & Indemnifications

Who takes the loss? Changes to Reg CC brought us new definitions, warranties, and indemnifications. This course discusses the responsibilities of the bank of first deposit and the paying bank.

NOTE: On Demand courses remian available for 90 calendar days after registration is processed. This period includes nights and weekends. Unlimited viewing is allowed within the 90-day period. Once the 90-day interval expires, the course may not be accessed again. Additional registration may be processed for an additional fee.

$245.00
$495.00
$495.00
Available Electronically

Commercial Account Analysis On-demand

Commercial Analysis Accounts are provided by Financial Institutions to high-volume business customers to receive an earnings credit by maintaining the necessary balances to offset the monthly account activity and service fees.

In this session, we analyze the commercial account statement and learn what each component tells us about the fees applied to the account, as well as the importance of a compensating balance and the earnings credit rate.

Join us to learn what all those line items on your commercial account statement mean! Attendee will receive a sample pro forma template and sample account analysis calculations.

This On Demand course may be selected as an elective for the ePayResources ACH Certification Program.

NOTE: On Demand courses remain available for 90 calendar days after registration is processed. This period includes nights and weekends. Unlimited viewing is allowed within the 90-day period. Once the 90-day interval expires, the course may not be accessed again. Additional registration may be processed for an additional fee.

AAP Credits: Up to 1.4
$245.00
$495.00
$495.00
Available Electronically

Comparative Payments Systems On-demand

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.

This On Demand course is one of the required courses for the ePayResources ACH Certification Program.

This On Demand learning module can benefit those studying for the Accredited ACH Professional (AAP) test, specifically within the General Payments Overview / Comparative Payments Systems AAP exam blueprint category.

NOTE: On Demand courses remain available for 90 calendar days after registration is processed. This period includes nights and weekends. Unlimited viewing is allowed within the 90-day period. Once the 90-day interval expires, the course may not be accessed again. Additional registration may be processed for an additional fee.


AAP Credits: Up to 3.0
$245.00
$495.00
$495.00
Available Electronically

Consumer Survey - Detailed Report

The survey was designed to provide SWACHA, its members and other payment industry stakeholders a deeper understanding about Texans' behavior and attitudes related to electronic payments. The survey, conducted in April 2009 includes the responses of 400 Texas consumers who were the primary bill payer of their household.

The study had the following objectives:

  • Determine respondents' knowledge and usage of "direct deposit"
  • Determine respondents' usage and attitudes towards electronic payments
  • Learn about respondents' changing usage of checks and cash
  • Discover respondents' feelings regarding risks associated with electronic payments
  • Discover respondents' attitudes toward the use of mobile banking


  • With the results of the survey, SWACHA hopes to provide financial institutions, businesses, government agencies and others with information and supporting data to help them refine and develop electronic payment services and other financial products to meet the needs of its customers.
    $200.00
    $400.00
    $400.00

    Consumer Survey - Executive Summary

    The survey was designed to provide SWACHA, its members and other payment industry stakeholders a deeper understanding about Texans' behavior and attitudes related to electronic payments. The survey, conducted in April 2009 includes the responses of 400 Texas consumers who were the primary bill payer of their household.

    The study had the following objectives:

  • Determine respondents' knowledge and usage of "direct deposit"
  • Determine respondents' usage and attitudes towards electronic payments
  • Learn about respondents' changing usage of checks and cash
  • Discover respondents' feelings regarding risks associated with electronic payments
  • Discover respondents' attitudes toward the use of mobile banking


  • With the results of the survey, SWACHA hopes to provide financial institutions, businesses, government agencies and others with information and supporting data to help them refine and develop electronic payment services and other financial products to meet the needs of its customers. SWACHA members, please log-in at Member Services and click on "Member News" to download.
    $0.00
    $200.00
    $200.00

    Cross-Channel Risk Academy

    Generic Event Image
    This course will be delivered Virtually, which will include a 2 hour lunch break

    Risk, fraud, potential losses, and strict regulations are common to all payment channels, and failure to understand these can result in financial losses, lost customers, a tarnished reputation, and violations of state and federal laws. Building a solid foundation for detecting and mitigating risk and fraud begins with an understanding of the five major payment channels (ACH, Check, Card, Wire, and RTP®), and their common and unique risks.

    The Cross-Channel Risk Academy gives attendees a solid foundation for risk detection and mitigation by providing an understanding of the risks, fraud potential, and governing rules and regulations for each of the five identified payment systems. To view topics covered during this two-day program go to the "Other Information" tab.

    Wednesday, November 17, 2021
    Thursday, November 18, 2021
    $395.00 - $1,195.00
    $795.00


    Cross-Channel Risk Academy - Raleigh

    Generic Event Image
    Location within the Raleigh area TBD.

    Risk, fraud, potential losses, and strict regulations are common to all payment channels, and failure to understand these can result in financial losses, lost customers, a tarnished reputation, and violations of state and federal laws. Building a solid foundation for detecting and mitigating risk and fraud begins with an understanding of the five major payment channels (ACH, Check, Card, Wire, and RTP®), and their common and unique risks.

    The Cross-Channel Risk Academy gives attendees a solid foundation for risk detection and mitigation by providing an understanding of the risks, fraud potential, and governing rules and regulations for each of the five identified payment systems. To view topics covered during this two-day program go to the "Other Information" tab.

    Tuesday, October 26, 2021
    Wednesday, October 27, 2021
    Raleigh, NC
    $495.00
    $895.00