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Internet ACH Entries

by Mary Beth Guard and John Burnett, BOL Gurus

Question: Where can I find information that can tell me any requirements for our bank if we decide to let our customers originate ACH debit/credit entries through our Internet banking product?


  • Review the NACHA Operating Rules, Article Two, sections 2.1 and 2.2 and selected sections of Article Three, depending on what sorts of transactions the customer is likely to originate.

  • Also review Section II, Chapter I, Part B and selected parts of Chapter II, of the Operating Guidelines.
  • Check out Appendix Eight of the Operating Rules (Audit Requirements).

  • To the extent that transfers will be made that are not subject to Regulation E, review Article 4A of the UCC in your state.

  • The original version appeared in the September/October 2004 edition of the Oklahoma Bankers Association Compliance Informer.

    First published on 3/28/05

    First published on 03/28/2005

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