FedACH^® Services 2022 Fee Schedule

FedACH Origination and Receipt Fees

Product Fees
Product/Tier	Billing Code	Fee
Minimum monthly fee - forward originationFootnote ¹	57208	$50.00
Minimum monthly fee - receiptFootnote ²	57209	$40.00

Origination (per item or record)
Product/Tier	Billing Code	Fee
Item fee - forward or return	57201, 57202, 57205, 57211, 57212, 57215	$0.0035
Volume Discounts (based on monthly billed origination volume):
Per item when origination volume is 750,001 – 1,500,000Footnote ³	57228	$0.0008 (discount)
Per item when origination volume > 1,500,000Footnote ³	57229	$0.0010 (discount)
Volume Discounts (based on monthly billed receipt volume)Footnote ⁴:
Per item when receipt volume 10,000,001 – 15,000,000	57216	$0.0002 (discount)
Per item when receipt volume > 15,000,000	57217	$0.0003 (discount)
SameDay Service – forward itemFootnote ⁵	57620	$0.0010 (surcharge)
Addenda record	57219	$0.0015
FedLine Web^®-originated Return/NOCFootnote ⁶	57207	$0.50
Facsimile Exception Return/NOCFootnote ⁷	57240	$45.00
SameDay Exception Return	57247	$45.00
Automated NOC	57245	$0.20

Receipt (per item or record)
Product/Tier	Billing Code	Fee
Forward item	57220	$0.0035
Return Item	57221	$0.0075
Addenda record	57222	$0.0015
Volume Discounts (forward items):
Non-Premium ReceiversFootnote ⁸:
Items 750,001 – 12,500,000 per monthFootnote ⁹	57253	$0.0017 (discount)
Per item when volume > 12,500,000 per monthFootnote ¹⁰	57254	$0.0019 (discount)
Premium Receivers - Level One¹¹:
Items 750,001 – 1,500,000 per monthFootnote ⁹	57253	$0.0017 (discount)
Per item when volume is 1,500,001 – 2,500,000 per monthFootnote ¹⁰	57253	$0.0017 (discount)
Per item when volume is 2,500,001 – 12,500,000 per monthFootnote ¹⁰	57256	$0.0018 (discount)
Per item when volume > 12,500,000 per monthFootnote ¹⁰	57257	$0.0020 (discount)
Premium Receivers - Level TwoFootnote ¹²:
Items 750,001 – 1,500,000 per monthFootnote ⁹	57253	$0.0017 (discount)
Per item when volume is 1,500,001 – 2,500,000 per monthFootnote ¹⁰	57253	$0.0017 (discount)
Per item when volume is 2,500,001 – 12,500,000 per monthFootnote ¹⁰	57266	$0.0019 (discount)
Per item when volume > 12,500,000 per monthFootnote ¹⁰	57267	$0.0021 (discount)

Origination and Receipt Fees Footnotes:

¹ Any ODFI incurring less than $50 for the following fees will be charged a variable amount to reach the minimum: Forward value and non-value item origination fees, and FedGlobal ACH origination surcharges.

² Any RDFI not originating forward value and non-value items and incurring less than $40 in receipt fees will be charged a variable amount to reach the minimum. Any RDFI that originates forward value and nonvalue items incurring less than $50 in forward value and nonvalue item origination fees will only be charged a variable amount to reach the minimum monthly origination fee.

³ Origination volumes at these levels qualify for a waterfall discount which includes all FedACH origination items.

⁴ Origination discounts based on monthly billed receipt volume apply only to those items received by FedACH receiving points and are available only to Premium Receivers.

⁵ This surcharge is assessed on all forward items that qualify for same day processing and settlement and is incremental to the standard origination item fee.

⁶ The fee includes the item and addenda fees in addition to the conversion fee.

⁷ The fee includes the item and addenda fees in addition to the conversion fee. Reserve Banks also assess a $45 fee for every government paper return/NOC they process.

⁸ RDFIs receiving through FedACH less than 90 percent of their FedACH-originated items.

⁹ This per-item discount is a reduction to the standard receipt fees listed in this fee schedule.

¹⁰ Receipt volumes at these levels qualify for a waterfall discount which includes all FedACH receipt items.

¹¹ RDFIs receiving through FedACH at least 90 percent of their FedACH-originated items, but less than 90 percent of all of their ACH items originated through any operator.

¹² RDFIs receiving through FedACH at least 90 percent of all of their ACH items originated through any operator.

FedACH Risk Management Services

Monitoring Criteria¹³
Product/Tier	Billing Code	Fee
Monthly Package Fee (a single fee based on total number of criteria sets)
For up to 5 criteria sets	57920	$35.00
For 6-11 criteria sets	57921	$70.00
For 12-23 criteria sets	57922	$125.00
For 24-47 criteria sets	57923	$150.00
For 48-95 criteria sets	57924	$250.00
For 96-191 criteria sets	57925	$425.00
For 192-383 criteria sets	57926	$675.00
For 384-584 criteria sets	57927	$850.00
For more than 584 criteria sets	57928	$1,100.00
Batch/Item Monitoring
For total monthly volume ≤ 100,000	57803	$0.007/batch
For total monthly volume > 100,000	57813	$0.0035/batch

FedACH Risk Management Services Footnote:

¹³ Criteria may be set for both the Origination Monitoring Service and the RDFI Alert Service. Subscribers with no criteria set up will be assessed the $35 monthly package fee.

FedPayments Insights Service

Monthly Fee (a single fee based on commercial receipt volume)¹⁴
Product/Tier	Billing Code	Fee
ACH Commercial Receipt Volume
0 – 50,000 items/month	57881	$75.00
50,001 – 100,000 items/month	57882	$120.00
100,001 – 500,000 items/month	57883	$180.00
500,001 – 1,000,000 items/month	57884	$260.00
1,000,001 – 5,000,000 items/month	57885	$340.00
5,000,001 – 10,000,000 items/month	57886	$450.00
10,000,001 – 25,000,000 items/month	57887	$550.00
25,000,001 – 60,000,000 items/month	57888	$625.00
Over 60,000,000 items/month	57889	$700.00

FedPayments Insights Service Footnote:

¹⁴ Monthly commercial receipt volume is calculated based on combined volume of subscribed ABAs in an account family.

FedPayments Reporter Service

Monthly Package (counts reflect reports generated as well as delivered via a FedLine^® Solution)

Reports Included in Monthly Package
Product/Tier	Billing Code	Fee
ACH Customer Transaction Activity ACH Death Notification ACH International (IAT) ACH Notification of Change ACH Originated Entries Detail - Customer and DFI ACH Originator Setup ACH Payment Data Information File ACH Received Entries Detail - Customer and DFI ACH Remittance Advice Detail ACH Remittance Advice Summary ACH Report Delivery via FedLine ACH Return Item Report and File ACH Return Ratio ACH Return Reason Report - Customer and DFI ACH Social Security Beneficiary ACH Volume Summary by SEC Code - Customer	On Demand ReportsFootnote ¹⁵: 57701 or 57727	On Demand Reports: $1.00/report generated

Monthly Package Fee (a single fee based on total reports)
Product/Tier	Billing Code	Fee
For up to 50 reports	57900	$45.00
For 51-150 reports	57901	$65.00
For 151-500 reports	57902	$120.00
For 501-1,000 reports	57903	$220.00
For 1,001-1,500 reports	57904	$320.00
For 1,501-2,500 reports	57905	$505.00
For 2,501-3,500 reports	57906	$705.00
For 3,501-4,500 reports	57907	$900.00
For 4,501-5,500 reports	57908	$1,095.00
For 5,501-7,000 reports	57909	$1,350.00
For 7,001-8,500 reports	57910	$1,585.00
For 8,501 - 10,000 reports	57911	$1,815.00
For more than 10,000 reports	57912	$1,980.00

Premier Reports (per report generated)Footnote ¹⁵
Product/Tier	Billing Code	Fee
ACH Volume Summary by SEC Code Report - DFI
Reports 1 through 5	57728	$10.00
Reports 6 through 10	57738	$6.00
Reports 11+	57748	$1.00
On Demand	57726	$1.00 (surcharge)
ACH Routing Number Activity Report
Reports 1 through 5	57703	$10.00
Reports 6 through 10	57713	$6.00
Reports 11+	57723	$1.00
On Demand	57726	$1.00 (surcharge)
ACH Originated Batch Report (Monthly)
Reports 1 through 5	57751	$10.00
Reports 6 through 10	57757	$6.00
Reports 11+	57758	$1.00
On Demand	57726	$1.00 (surcharge)
ACH Originated Batch Report (Daily)
Scheduled	57755	$0.65
On Demand	57726	$1.00 (surcharge)

On-us Inclusion
Product/Tier	Billing Code	Fee
Participation	57710	$10.00/month/RTN
Per Item	57707	$0.0030
Per Addenda	57708	$0.0015

Report Delivery
Product/Tier	Billing Code	Fee
Via encrypted email	57702	$0.20/email

Premier Reports Footnote:

¹⁵ Premier reports generated on demand are subject to the package/tiered fees plus a surcharge.

FedACH Exception Resolution Service

Product Fees
Product/Tier	Billing Code	Fee
Fixed FeesFootnote ¹⁶
Self-Managed Cases	57840	$10.00/RTN/month
Agent-Managed Cases	57841	$10.00/RTN/month
Offline Service Participant	57842	$60.00/RTN/month
Variable Case Open Fees (apply to self-managed and agent-managed cases only)Footnote ¹⁷
1-50 cases/month	57851	$1.25/case
51-100 cases/month	57852	$1.00/case
101-500 cases/month	57853	$0.75/case
501-1,000 cases/month	57854	$0.50/case
1,001-5,000 cases/month	57855	$0.25/case
5,001-10,000 cases/month	57856	$0.20/case
Over 10,000 cases/month	57857	$0.10/case
Offline Service Participant – Case FeesFootnote ¹⁸
Case Open Fee	57846	$5.00/case
Case Response Fee	57847	$5.00/case

FedACH Exception Resolution Service Footnotes:

¹⁶ Any financial institution that opens at least 1,000 Exception Resolution Service cases in a given month will receive a 50% discount on its Exception Resolution Service fixed fees for that month.

¹⁷ The per case fees are rolled up to the parent RTN, such that a customer that opens a total of 100 cases per month under two separate RTNs would pay a total of $112.50 ($1.25 for the first 50 cases and $1.00 for the next 50 cases) in addition to the fixed fees.

¹⁸ A financial institution may enroll in the Service as an Offline Service Participant by designating the Reserve Bank to access and use the functionality of the application on behalf of the Offline Participant.

Other Fees and Discounts

Miscellaneous
Product/Tier	Billing Code	Fee
FedACH Participation FeeFootnote ¹⁹	57234	$65.00/RTN/month
SameDay Service Origination Participation FeeFootnote ²⁰	57621	$10.00/RTN/month
FedACH Settlement FeeFootnote ²¹	57233, 57932	$55.00/RTN/month
FedACH Information File Extract Fee	57227	$150.00/RTN/month
IAT Output File Sort Fee	57276	$75.00/RTN/month
Fixed Participation Fee - Automated NOCsFootnote ²²	57246	$5.00/RTN/month

Non-Electronic Input/OutputFootnote ²³
Product/Tier	Billing Code	Fee
CD/DVD	57242, 57243	$50.00/CD or DVD
Paper	57244	$50.00/file or report

Fees and Credits Established by NachaFootnote ²⁴
Product/Tier	Billing Code	Fee
Nacha Same Day Entry Fee	57610	$0.052/item
Nacha Same Day Entry Credit	57611	$0.052/item (credit)
Nacha Unauthorized Entry Fee	57996	$4.50/item
Nacha Unauthorized Entry Credit	57997	$4.50/item (credit)
Nacha Admin Network Fee/month	57998	$22.00/RTN
Nacha Admin Network Fee/entry	57999	$0.000185

Other Fees and Discounts Footnotes:

¹⁹ The fee applies to RTNs that have received or originated FedACH transactions during a month. Institutions that receive only U.S. government transactions or that elect to use a private-sector operator exclusively are not assessed the fee.

²⁰ This surcharge is assessed to any RTN that originates at least one item meeting the criteria for same day processing and settlement in a given month.

²¹ The fee is applied to any RTN with activity during a month, including RTNs of institutions that elect to use a private-sector operator exclusively but also have items routed to or from customers that access the ACH network through FedACH. This fee does not apply to RTNs that use the Reserve Banks for only U.S. government transactions.

²² Fee will be assessed only when automated NOCs are generated.

²³ Limited services are offered in contingency situations.

²⁴ The fees and credits listed are collected from the ODFI and credited to Nacha (admin network) or to the RDFI (same day entry and unauthorized entry) in accordance with the ACH Rules.

FedGlobal ACH PaymentsFootnote ²⁵

Origination

Fixed Monthly FeeFootnote ²⁶
Product/Tier	Billing Code	Fee
Monthly FedGlobal Origination Volume > 500 items	57540	$185.00/RTN/month
Monthly FedGlobal Origination Volume 161-500 items	57550	$60.00/RTN/month
Monthly FedGlobal Origination Volume < 161 items	57560	$20.00/RTN/month

Item Origination Fee for monthly volume > 500 itemsFootnote ²⁷
Product/Tier	Billing Code	Fee
Canada Service	57541	$0.50 (surcharge)
Mexico Service	57542	$0.55 (surcharge)
Panama Service	57543	$0.60 (surcharge)
Europe Service	57544	$1.13 (surcharge)

Item Origination Fee for monthly volume 161-500 itemsFootnote ²⁷
Product/Tier	Billing Code	Fee
Canada Service	57551	$0.75 (surcharge)
Mexico Service	57552	$0.80 (surcharge)
Panama Service	57553	$0.85 (surcharge)
Europe Service	57554	$1.38 (surcharge)

Item Origination fee for monthly volume < 161 itemsFootnote ²⁷
Product/Tier	Billing Code	Fee
Canada Service	57223	$1.00 (surcharge)
Mexico Service	57275	$1.05 (surcharge)
Panama Service	57500	$1.10 (surcharge)
Europe Service	57520	$1.63 (surcharge)

Other FedGlobal ACH Payments Fees

Canada Service
Product/Tier	Billing Code	Fee
Return received from CanadaFootnote ²⁷	57224	$0.99 (surcharge)
Trace of item at receiving gateway	57226	$5.50
Trace of item not at receiving gateway	57226	$7.00

Mexico Service
Product/Tier	Billing Code	Fee
Return received from MexicoFootnote ²⁷	57285	$0.91 (surcharge)
Item trace	57295	$13.50
F3X item originated to MexicoFootnote ²⁶	57264	$0.67 (surcharge)

Panama Service
Product/Tier	Billing Code	Fee
Return received from PanamaFootnote ²⁸	57501	$1.00 (surcharge)
Item trace	57504	$7.00
NOC	57506	$0.72

Europe Service
Product/Tier	Billing Code	Fee
F3X item originated to EuropeFootnote ²⁷	57532	$1.25 (surcharge)
Return received from EuropeFootnote ²⁸	57521	$1.35 (surcharge)
Item trace	57524	$7.00

All prices effective September 12, 2022

FedGlobal ACH Payments Footnotes:

²⁵ The international fees and surcharges vary from country to country as these are negotiated with each international gateway operator.

²⁶ A single monthly fee based on total FedGlobal ACH Payments origination volume.

²⁷ This per-item surcharge is in addition to the standard domestic origination fees listed in this fee schedule.

²⁸ This per-item surcharge is in addition to the standard domestic receipt fees listed in this fee schedule.

FedACH® Services 2022 Fee Schedule

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