FedACH Origination and Receipt Services Setup

Thank you for choosing FedACH Origination and Receipt Services. We are ready to work with you to make this a smooth and easy transition. Following are the steps to take to streamline your implementation process, including contacts to help you with questions at any step along the way. Depending on the access solution and services to which you already subscribe, you may be able to omit several of these steps. Read the steps carefully to determine which apply to you. If you need advice or assistance at any step of the process, consult your FedACH Sales Specialist.

Step 1 - Select Service Options

The following information will help you determine what specific service features are right for your institution.

Step 2 - Assess Your Access Needs

Use the following links to determine which access solution provides the services/features your organization needs and the number and type of Subscribers who will need access to those solutions in your organization.

Step 3 - Review Rules and Regulations

Federal Reserve Financial Services use is governed by applicable Operating Circulars. In addition, the Board of Governors of the Federal Reserve System has responsibility for implementing certain laws pertaining to a wide range of banking and financial activities. The following apply to FedACH Services:

Operating Circulars
  • Operating Circular 4: ACH Items - governs clearing and settlement of commercial ACH credit and debit items
  • Operating Circular 5: Electronic Access - covers terms for accessing Federal Reserve Financial Services
Regulations
  • Regulation E - primarily addresses consumer rights pertaining to electronic funds transfers
  • Regulation CC - includes regulations concerning availability of funds
NACHA's Operating Rules (Off-site Link)

Provides information regarding annual ACH rule changes, their operational impact, and whether any software changes are required; includes a system of national fines; available through NACHA or your regional payments association

Uniform Commercial Code-Article 4 (Off-site Link)

Green Book (Off-site Link)

A comprehensive guide for institutions that receive ACH payments from the federal government and send payments (i.e., collections) to the federal government.

Step 4 - Review Setup and Processing Documentation

Implementation and user guides and other resources are available for your review to help you through the start-up process, as well as to help you use the service to its fullest potential.

Getting Started with FedACH Origination: A Manual for Financial Institutions (PDF)

Details a step-by-step guide for FedACH origination and an overview of various ACH applications.

FedACH Origination Power Kit

Provides a blueprint to optimizing your origination services, including increasing the usage of Direct Deposit, Direct Payment and Accounts Receivable Conversion (ARC)

Step 5 - Review Hardware/Software Requirements

Evaluate all internal software/hardware systems and compare to Federal Reserve Bank requirements to determine if changes are needed for a successful production cutover.

Step 6 - Complete Forms/Agreements

Now that you've determined your access solution, service features and Subscriber needs, you can proceed to document all your decisions in the required forms.

Questions? Contact your FedACH Central Operations Support site.

Current FedLine customers:

  • End User Authorization Contacts (EUAC) with authority to manage access for FedACH Services should complete a Subscriber Request Form online to give new Subscribers access or to modify current Subscribers' access to include FedACH Origination and Receipt Services. EUACs must define access roles for each FedACH Subscriber in your organization.
  • Otherwise, your organization must first submit a modified EUAC Form (PDF) to authorize your EUAC to manage access for FedACH Services.

Questions? Contact your Customer Contact Center

New FedLine Customers:

Questions? Contact your Customer Contact Center

Step 7 - Schedule Testing and Production Date

Once your paperwork is received, a representative from the Federal Reserve Banks will call you to establish a testing schedule and production date. Testing requirements will vary based on the services you have selected.

By the production cutover date, you should be prepared to use the FedACH Origination and Receipt Services.

Questions? Contact your FedACH Sales Specialist.

Step 8 - Congratulations! Begin processing Federal Reserve Financial Services

You can begin originating and receiving ACH transactions.

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