Accreditation Prep
AAP
2027 Nacha Rules Explorer Premium (NRE+)
Formerly Nacha Operating Rules Online Resource (web-based)
The Nacha Rules Explorer Premium (NRE+) is a digital solution that provides access to the complete Nacha Operating Rules & Guidelines, including supplements and errata updates. Enhanced features include a personalized dashboard, advanced filtering options, and semantic search capabilities, making it easier to research, navigate, and access content from virtually any device. Users can create personal bookmarks and annotations and take advantage of limited printing capabilities, making it easier to organize, reference, and manage frequently used content.
Perfect for financial institutions to provide the Nacha Rules to corporate customers or members.
This listing is for the 2027 NRE+ online resource only. An 18% Pre-Order Discount is available through November 20, 2026.
Please Note: All digital purchases are final.
AAP Preparation Publications Package
Various Formats
AAP Preparation Publications Package includes:
- 2026 ACH Rules Book – Online Resource Code
- AAP Flashcards – Electronic Version
- ACH Desk Reference Card- Electronic
Online Resource (web-based): This interactive website provides access to both the full Nacha Operating Rules & Nacha Operating Guidelines, as well as any potential supplement details. The Online Resource website has been divided into sections for easy browsing and searching of the content. This resource has been set up to allow for an easy and responsive viewing experience from a desktop computer, laptop, or mobile device with enhanced product features:
- Customized Bookmarking
- Keyword/Phrase Search
- Copy options
- Printing options
Note: If your organization requires special permission to download and/or install programs, please contact your IT department for assistance before purchase.
Please Note: All digital purchases are final.
AAP Flashcards
Electronic Format
You can now access one of our most popular study aids virtually, making it easier to fit valuable study time into your busy schedule! No need to lug around bulky paper flashcards. Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool includes five electronic flashcards "decks," each based on one of the five focus areas of the AAP exam. Choose to study one focus area at a time or all areas together. Enjoy all the features of traditional flashcards such as easily flipping through cards and tracking your progress but with additional functionality that allows you to rate your comfort level with topics and utilize spaced repetition to better reinforce your knowledge.
Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.
Format: Electronic Access Code
Please Note: All digital purchases are final.
ACH Compliance Manual - 12th Edition
Hardcopy
Designed by Nacha's subject matter experts as a companion to the Nacha Operating Rules & Guidelines, the 12th Edition includes updates covering funds availability, fraud monitoring, handling ODFI requests for return, and other key compliance topics. It also provides practical compliance tips, resource references, and concise guidance to help ACH professionals develop Rules-compliant policies and support day-to-day compliance decisions.
ACH Desk Reference Card
Electronic Format
Our ACH Desk Reference Card puts all ACH Return Reason Codes, SEC codes, NOC codes, and transaction codes at your fingertips. Designed for daily use, it is a must-have for operations and treasury management staff. It is also a great study tool for the AAP exam!
Format: PDF
Please Note: All digital purchases are final.
Revised Uniform Commercial Code Article 4A and the ACH System - 4th Edition
Hardcopy
The refreshed 4th Edition contains new statistics and evaluates the impact of the UCC 4A on security procedures, bank/corporate agreements, recommended contractual provisions, errors, unauthorized entries, and more. Includes Article 4A (law unchanged) with staff commentary. For financial institutions and corporations that handle ACH wholesale credits.
UCC Quick Reference Card
Electronic Format
The Uniform Commercial Code (UCC), Articles 3 and 4 first published in 1952, is a set of standardized state laws that govern business and financial contracts that establishes general duty standards for parties to act in good faith and exercise ordinary care in their transactions across the United States of America (U.S.) through UCC adoption by all 50 states, the District of Columbia, and the Territories of the United States. Together with case law, Articles 3 and 4 document legal boundaries for most aspects of check processing.
This Quick Reference Card outlines the key topics in the UCC Articles 3 and 4 with a brief description of each and the location of the UCC Reference. Together with case law, Articles 3 and 4 document legal boundaries for most aspects of check processing.
APRP
2027 Nacha Rules Explorer Premium (NRE+)
Formerly Nacha Operating Rules Online Resource (web-based)
The Nacha Rules Explorer Premium (NRE+) is a digital solution that provides access to the complete Nacha Operating Rules & Guidelines, including supplements and errata updates. Enhanced features include a personalized dashboard, advanced filtering options, and semantic search capabilities, making it easier to research, navigate, and access content from virtually any device. Users can create personal bookmarks and annotations and take advantage of limited printing capabilities, making it easier to organize, reference, and manage frequently used content.
Perfect for financial institutions to provide the Nacha Rules to corporate customers or members.
This listing is for the 2027 NRE+ online resource only. An 18% Pre-Order Discount is available through November 20, 2026.
Please Note: All digital purchases are final.
APRP Preparation Publications Package
Various Formats
The APRP (Accredited Payments Risk Professional) designation distinguishes its bearers as members of an elite corps of payments system professionals. To assist you in preparing for the APRP examination, administered once in the fall each year, the following publications are recommended:
APRP Preparation Publications Package includes:
- ACH Rules Book – Online Resource Code or Hardcopy
- ACH Compliance Manual - Hardcopy
- Revised Uniform Commercial Code Article 4A and the ACH System - Hardcopy
- ACH Risk Management Handbook - 8th Edition - Hardcopy
- APRP Flashcards – Electronic Version
Online Resource (web-based): This interactive website provides access to both the full Nacha Operating Rules & Nacha Operating Guidelines, as well as any potential supplement details. The Online Resource website has been divided into sections for easy browsing and searching of the content. This resource has been set up to allow for an easy and responsive viewing experience from a desktop computer, laptop, or mobile device with enhanced product features:
- Customized Bookmarking
- Keyword/Phrase Search
- Copy options
- Printing options
Note: If your organization requires special permission to download and/or install programs, please contact your IT department for assistance before purchase.
Please Note: All digital purchases are final.
ACH Compliance Manual - 12th Edition
Hardcopy
Designed by Nacha's subject matter experts as a companion to the Nacha Operating Rules & Guidelines, the 12th Edition includes updates covering funds availability, fraud monitoring, handling ODFI requests for return, and other key compliance topics. It also provides practical compliance tips, resource references, and concise guidance to help ACH professionals develop Rules-compliant policies and support day-to-day compliance decisions.
ACH Risk Management Handbook - 9th Edition
Hardcopy
The newly updated 9th edition offers essential insights into Nacha’s strategies for identifying and mitigating risks associated with ACH payments. This publication provides comprehensive recommendations for developing an effective risk management program tailored for organizations involved in ACH transactions. Importantly, the threats to ACH payments are not unique to the ACH Network; the lessons learned can be applied to create a holistic payments risk management program. The edition includes the latest 2024 Rules focusing on credit push fraud and offers methods to address evolving fraud tactics. Additionally, real-world case studies in each chapter illustrate practical applications of the concepts discussed, helping organizations evaluate and enhance their risk management practices.
APRP Flashcards
Electronic Format
You can now access our APRP flashcards virtually, making it easier to fit valuable study time into your busy schedule! No need to lug around bulky paper flashcards. Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool includes six electronic flashcard "decks," each based on one of the six focus areas of the APRP exam. Choose to study one focus area at a time or all areas together. Enjoy all the features of traditional flashcards such as easily flipping through cards and tracking your progress but with additional functionality that allows you to rate your comfort level with topics and utilize spaced repetition to better reinforce your knowledge. Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.
Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.
Format: Electronic Access Code
Please Note: All digital purchases are final.
Revised Uniform Commercial Code Article 4A and the ACH System - 4th Edition
Hardcopy
The refreshed 4th Edition contains new statistics and evaluates the impact of the UCC 4A on security procedures, bank/corporate agreements, recommended contractual provisions, errors, unauthorized entries, and more. Includes Article 4A (law unchanged) with staff commentary. For financial institutions and corporations that handle ACH wholesale credits.
AFPP
AFPP Flashcards
Electronic Format
Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool is great for AFPP exam preparation. Choose to study one focus area at a time or all areas together. Enjoy all the features of traditional flashcards such as easily flipping through cards and tracking your progress but with additional functionality that allows you to rate your comfort level with topics and utilize spaced repetition to better reinforce your knowledge.
Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.
Format: Electronic Access Code
Please Note: All digital purchases are final.
ISO Message Type Quick Reference
Electronic Format
This quick reference guide is perfect for anyone studying for AFPP or new to faster payment messaging. It provides an overview of the most commonly used messages, including the ISO message type, payment rail, a brief description, and the message function.
Format: PDF
Please Note: All digital purchases are final.
NCP
Check Elements and Endorsements
Electronic Format
Checks are not going away yet, and neither are the questions at the teller line. This workbook breaks down every part of a check and every endorsement rule in plain language, with pop quizzes to lock in the learning.
Inside the book
Nine classes and a bonus: an introduction to checks and endorsements, the information on a check, check versus negotiable instrument and the key elements of a check, MICR and routing information, a parts-of-a-check midterm, endorsement basics, who has to sign, spotting bad checks and the red flags to watch for, and an endorsements pop quiz, plus a bonus class on remote deposit capture and answer keys.
Who it’s for
Tellers, universal bankers, deposit operations and new-account staff, and anyone who handles checks and needs a solid foundation before tackling check fraud.
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
Please Note: All digital purchases are final.
Check Returns & Adjustments Quick Reference Guide
Electronic Format
Check/Image Flashcards
Electronic Format
You can now access one of our most popular study aids virtually, making it easier to fit valuable study time into your busy schedule! There is no need to lug around bulky paper flashcards. Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool includes six electronic flashcard "decks," each based on one of the six focus areas of the NCP Exam. Choose to study one focus area at a time or all areas together. Enjoy all the features of traditional flashcards such as easily flipping through cards and tracking your progress but with additional functionality that allows you to rate your comfort level with topics and utilize spaced repetition to better reinforce your knowledge.
Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.
Format: Electronic Access Code
Please Note: All digital purchases are final.
Check/RDC Quick Reference Cards
Electronic Format
This handy set of cards explores the commonly used adjustment investigation types, duplicate situations, and how the Regulation CC Remote Deposit Capture (RDC) Indemnity can help, the account holder's duty to discover and report an unauthorized signature or alteration and key elements of the FFIEC Guidance related to RDC. Ensure your staff always has a need-to-know check and RDC information within fingertip reach and stands ready to handle difficult exception items such as altered, counterfeit, and forged checks. Key topics covered include Check 21 expedited recredit provisions, exception holds, return reason codes, commonly used FRB adjustment information and RDC risk management tips.
FACCE Check Fraud: Forged, Altered, Counterfeit, Check Education
Electronic Format
Check fraud is growing, and the question is always the same: who takes the loss? FACCE walks through forged, altered, and counterfeit checks and the rules that decide who pays.
Inside the book
Fourteen classes: check fraud jargon and jurisdiction, the rules and regulations for checks simplified, common schemes and why check fraud is growing, strategies, tools, and tactics to fight it, presentment warranties and liability, midnight deadlines and cutoff times for returns, altered or forged and determining liability, who is to blame, defenses for financial institutions, when account holder negligence shifts liability, sharing the blame, and a simplified guide to defenses, closing with a knowledge test and quiz answers with explanations.
Who it’s for
Fraud and loss prevention teams, deposit operations and returns staff, branch leaders, and compliance officers who handle check fraud claims.
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
Please Note: All digital purchases are final.
Online Store
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Now offering digital, cloud-based tools, powered by OAS™, to walk Third-Party Senders and Originators through applicable Nacha Rules audits in plain language.
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Your direct line to payments expertise, compliance support, and industry connections.
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