The Federal Reserve Banks have multiple sites to support connections to critical applications. If there is a service or building disruption, the processing of files and the associated financial accounting entries may be delayed, with plans to resume as quickly as possible at contingency sites.
During a disruption, Federal Reserve staff will work to ensure the highest possible level of service. Successful operations will require both coordination and cooperation between financial institutions and Federal Reserve staff. The Federal Reserve FedACH® and Check Services Customer Support will broadcast information to financial institutions using e-mail, FedLine®, telephone, or website postings. Customer Support staff offers service support for all products. You may also view the current Service Status and/or General Notifications by accessing Service Status at any time.
Knowledge of the plans outlined here will help ensure continued service during a Federal Reserve FedACH or Check Services processing disruption. Your normal operating procedures, record keeping practices, and attention to daily routines are important safeguards against processing interruptions. In addition to help minimize a disruption of service, financial institutions are encouraged to implement the following:
Furthermore, financial institutions with electronic connections to Federal Reserve services are invited to participate in FedACH and Check Services contingency tests. During these tests, customers assess their ability to resume processing of their transactions following a FedACH or Check Services recovery simulation.
For detailed information regarding the resilience of the FedACH application suite, please review the FedACH Resilience Statement (PDF).
For detailed information regarding the resilience of the Check application suite, please view the Check Services Resilience Statement (PDF).
For more information about contingency planning for FedMail, please review the FedMail Contingency Guide for FedACH Services (PDF).
Contingency guides for the FedLine Web and FedLine Advantage access solutions are available via the EUAC Center.
If you suspect a disruption to either FedACH or Check Services processing operations, we suggest you view the current Service Status as the Federal Reserve may already be aware of the issue. Be assured that the Federal Reserve and their personnel are working diligently to reinstate any disruption in service as quickly as possible.
As each disruption is unique, the Federal Reserve will react according to the specific situation. Please see the Business Resiliency Statements for FedACH and Check Services, as noted above, for more information.
For business continuity planning, financial institutions should consider their ability to react to potential demands of a disruption. Each business disruption is unique and the specific aspects of a business disruption will determine the necessary course of action. In addition, the specific services used by the financial institution, its access to alternatives, transaction processing capacity, management decisions and legal issues will all need to be considered prior to taking specific action.
While every attempt will be made to recover from the business disruption as soon as possible, it is the responsibility of each customer to conduct its business accordingly.
If your Internet connection becomes unavailable, your VPN device may have an auto dial backup feature or you may configure the device to connect via a secondary Internet Service Provider (ISP). When Internet connectivity is restored, dial backup connections will revert back to connecting via the Internet automatically, and secondary ISP connectivity will remain in place until your organization reverts back to your primary ISP.
Financial institutions do not need to do anything to re-establish communications. Once host processing is restored, communication connections will be re-established, with all data security procedures remaining in effect.
Financial institutions do not need to do anything to re-establish communications. Updates and instructions will be provided via recorded messages, fax, and/or direct telephone calls. Note: Upon the restoration of normal operations, if financial institutions cannot complete transactions, they should contact the Customer Contact Center (CCC).
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