EPCOR Archived News

 

This is a collective archive of all the news stories that have appeared on the home page of epcor.org.

The Relationship Between “RETRY PYMT” and ACH Audit Trails

Promote clear communication, prevent costly errors and ensure compliance.

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CFPB Finalizes the 1033 Rule, Nacha Responds with Bulletin

Emphasis on consumer empowerment, data privacy and regulatory compliance.

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In a Fast World, Be Instant!

Adopting instant payment solutions can improve client satisfaction and position your organization competitively.

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Nacha Releases RFC, RFI and Supplement #2-2024

The Nacha team has been hard at work, find out what's on the horizon.

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Payments Insider is Now Available!

Our newest edition of Payments Insider is out now.

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Fighting Cybersecurity Fraudsters

October is Cybersecurity Awareness Month, now is the perfect time to strengthen your defenses against online threats.

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What Makes Cashier’s Checks So Special?

Know your obligations under Uniform Commercial Code 3-312.

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Audit vs Risk Assessment

Both vital services for your organization, so it’s important to understand the differences and the gains from each.

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The Importance of Change Management and Business Continuity Planning

Technology issues and more are bound to happen... CrowdStrike.

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ACH Operations Bulletin #2-2024

Nacha recommends voluntary adoption of the Individual Name field standard.

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Same Day ACH Reaches New Heights

Same Day ACH continues to gain acceptance among users of the payments system.

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Required Risk Assessment Proposed Rule

FinCEN® has proposed a rule that would codify BSA/AML risk management processes.

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Changes to Upcoming Rules Effective Dates

Nacha has released Operations Bulletin #1-2024, which delayed the effective date of recently adopted rules.

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A Journey Through Payments History

We can’t truly celebrate industry strides without knowing exactly how far we’ve come.

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We have found our new Chief Executive Officer

She is likely a familiar face to many of you, congratulations to Brandie Thacker, AAP, CAE, MBA!

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What Should be Included in a TPS’s OFAC Policy?

Are third parties exposing you to AML and OFAC issues?

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Ask Hoot-E: Preparing for New ACH Rule

This Rule change will introduce new requirements aimed to reduce incidents of fraud.

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Don’t Get Your Wires Crossed and Stay in Compliance

What's your wire transfer capacity and is it compliant?

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Best Practices for Addressing EFT Concerns

Are you upholding the consumer protections outlined in Regulation E?

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Upcoming ACH Rules Updates: What and Why

Be aware of updates so your organization can remain compliant!

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Significant Third-Party Sender Audit Findings in 2023

Knowing common findings can help identify gaps and increase performance!

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Ask Hoot-E: Originators' Misuse of SEC Codes

Setting parameters for exposure limits and approved SEC codes is imperative for compliance.

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Nacha Passes 15 New ACH Rules Changes

Plan to make necessary preparations to ensure compliance!

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ACH Management Policy for Third-Party Senders

TPSs must follow the Rules to remain in compliance.

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Altered vs. Counterfeit Checks in an Image Environment

Determining check validity has become difficult in today’s image environment.

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Ask Hoot-E: ACH Rules Updates in 2024

In May 2023, Nacha issued a Request for Comment (RFC) with proposed ACH Rules changes.

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Four Things to Know About Faster and Instant Payments

Stay on top of wants and needs—remain relevant in today’s ever-changing payments landscape.

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2023 Review of Suspicious Activity Reporting

Looking at data can help understand the payments world and help you fight fraud.

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ACH Positive Pay Risks

Understand the benefits and risk before making any decisions for your organization!

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Ask Hoot-E: Mitigating Fraud with Instant Payments

To mitigate fraud in instant payments, several measures can be implemented!

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Let EPCOR Help with Your New Year’s Resolutions!

These benefits can help you reach your goals this coming year or just make your job easier!

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Preparing for Your ACH Compliance Audit with EPCOR’s Common Findings

Now is a great time to start planning!

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A Payments Fraud Carol

The holiday season is here which means scammers are lurking, hoping to steal your funds

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Cannabis Banking: Getting Closer to the Elusive “Safe Harbor?”

Now is the time for your organization to consider making plans for marijuana banking!

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CFPB Issues Request for Comment

This could impact your organization and how you interact with large nonbank companies.

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EPCOR Payments Conference - Fall 2023 = Major Success, Co-Pilot!

Birds of a feather flock together and when payments birds unite, ideas take flight!

Conf Recap →

Distinguishing Originators, TPSs & TPSPs—Oh My!

To manage your risk, you need controls fitted to your client’s role in the ACH Network.

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Originator Education = the Best Line of Defense

By providing adequate and efficient education, you are mitigating your risks!

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Ghostbusting the Monsters of Fraud

Much like garlic wards off vampires, knowing how fraudsters operate can help you fight them off!

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Prefunding vs. Float – What’s the Difference?

You may underwrite your ACH Originators in two different ways based on your preferences or risk appetite.

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Tips for Remaining Cybersecure

What are you doing to protect your technology and your personal information?

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Benefits of Becoming an ODFI

Being an ODFI could be the right next step for your organization.

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RDC Program Best Practices

Up to par with industry standards? Don't suffer consequences through financial loss!

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Remaining Relevant in Today’s Ever-Changing Payments Landscape

Here are tips and information to consider when competing for deposits.

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Do faster payments mean faster fraud?

The FedNow® Service has many ways to help mitigate fraud, including the FedNow® Negative List.

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Artificial Intelligence Payment Scams

AI payment scams can take various forms. Be on the lookout for these common AI-powered payment scams.

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It's Our FAVORITE Time of Year!

2023 marks Hoot-E’s FIFTH birthday. Hoot-E’s biggest birthday wish is to celebrate YOU, our members.

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FedNow® is Live NOW!

Now is the time to make decisions and plan your organization’s instant payments future!

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Why FedNowSM Isn't a Payments App

Its important to know what it is and what it isn't, and be able to explain the service to account holders.

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Cash Dispensing Disputes

Understanding all the behind-the-scenes workings of an ATM fleet can be difficult.

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Happy FedNowSM Launch Month!

Top things to consider with the highly anticipated launch this month!

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Common ACH Audit Issues & How to Do It Right

Keep your organization in compliance and on track for a successful year!

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EPCOR Payments Conference = Mission Accomplished

We LOVE spending time with our members and want to share the highlights with everyone!

Full Recap →

Mitigating ACH & Wire Fraud with New Receiver Alerts

Knowing what to look for can potentially save you & your clients from losses & heartache!

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June is Elder Abuse Awareness Month

You have a duty to remain informed and vigilant to protect your aging clients.

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Introducing the FPP Certificate!

Gain a holistic view of faster payments and acquaint yourself with current offerings in the marketplace.

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Don’t Let Risk Slip Through the Cracks

Assessments are an important part of risk management and a financial institution’s overall risk management program.

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Ask Hoot-E: Checking Up on Your Check Knowledge

Millions of checks are still being processed each year, do you know how to do it properly?

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Originator and TPS Education

Help your organization avoid monetary losses and compliance issues.

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Written Statement of Unauthorized Debit Updates

The one about risks of making false claims of unauthorized debits to financial institutions.

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Virtual Fraud Trends: Fighting the Good Fight

Learn how to mitigate the risk of fraud happening with everyday communications.

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Ask Hoot-E: Common Tax Refund Questions

Face challenges of incoming tax refunds that force you to juggle compliance and client/member service.

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Tax Season = Tax Refund Drama

Let’s cover some common scenarios, as well as some tips you can pass along to account holders.

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2022’s Top Third-Party Sender Audit Findings

Being aware of issues can help develop an ACH risk mgmt. program and promote ongoing ACH Rules compliance.

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Ask Hoot-E: Detecting Third-Party Senders

Does your financial institution have any Third-Party Senders or Nested Third-Party Senders?

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Five Fun Facts About the FedNowSM Payment Flow

Feel like you have more questions than answers about the FedNowSM Service?

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ACH Rules Update Reminders for 2023

Be sure to have these Rules changes on your radar.

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Stop Struggling! We (Probably) Have a Resource for That

We cover some of our most-needed forms and sample letters and where you can find them.

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Payments Systems Update Sneak Peek from Your Favorite Elf

We won’t make you wait until December 25th for this sneak peek.

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Can We Hold That?

If an FI allows for funding of a new account by debiting another FI, can a hold be placed on the credit to the new account? AND if so, for how long?

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EPCOR Members – Most Powerful Women

Members in American Banker’s Most Powerful Women in Banking and Most Powerful Women in Credit Unions lists.

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New Risk Management Framework for EPCOR's Fraud-Fighting Toolbox

Let’s discuss three opportunities to focus and fight fraud.

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NCP, AAP or APRP – What’s Right for ME?!

Not quite sure which certification is best suited for you – NCP, AAP or APRP? We can help!

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ODFI Risk Management: Exposure Limits and Pre-funding

See why setting exposure limits is important EVEN for clients who pre-fund.

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Payments Insider Now Available

The newest edition of Payments Insider is here and covers NOCs, spicing up your payments education, fraud and more!

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Checks: Who Still Uses Them and Why?

Checks are going away!” This phrase has been said for many years, but check usage continues.

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Processing Wire Transfers

Dear Hoot-E, how can I decrease the pressure of processing wires?

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"Plane" and Simple, EPCOR Payments Conference - Fall 2022 was a Major Success!

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Diana Kern to Discuss Third Party Payment Apps

Today we’re introducing you to conference speaker Diana Kern, AAP, Client Learning Strategist.

Meet Diana! →

Oral WSUD - What Should You Do?

Understandably, there seems to be some confusion on this topic. Let’s talk about it.

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Michael Flores to Discuss Cannabis Banking

We’re talking with conference speakers to learn about them personally and professionally.

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Chad Porter to Speak at EPCOR Payments Conference

Here is a preview of his amazing story of perseverance that he will share during his keynote session.

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Payments Education Tips

Dear Hoot-E, what payments resources are available to educate me, my co-workers and our account holders?

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Written Procedures – Why Should I Bother?

One of our EPCOR auditors has a confession – they once didn’t understand the importance of written procedures.

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Explaining External Debits & Credit Offsets

When it comes to external debits, can we hold the offsetting credit? The answer is… It depends! Let’s talk about it.

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EPCOR Members Rank Among America’s Best Banks Credit Unions

Best Banks → Best CUs →

FPC Releases Two New Whitepapers

The FPC recently released two new whitepapers, QR Codes for Faster Payments and Faster Payments and Financial Inclusion.

Check Tips for Backup Staff

Let’s look at everyday check handling situations that are the center of frequent questions to EPCOR’s Member Support team.

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How Do You Stack Up on SDA?

The Center for PaymentsTM and Nacha collaborated to conduct a study of FIs to better understand the usage and strategies for SDA.

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Holding Down the ACH Fort

Its a great time to offer up some tips for your backup payments staff! Let’s start with ACH.

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Micro Entries

Dear Hoot-E, what do I need to know about Micro Entries?

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Key Takeaways: Fighting Synthetic ID Fraud

Learn to understand the importance of collaboration in fighting synthetic identity fraud.

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Buy Now, Pay Later and Credit Reporting

The CFPB is concerned that inconsistent treatment may limit the potential benefits.

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Are Third-Party Senders Hiding in Your Third-Parties?

Are recent efforts to define Third-Party Sender roles and responsibilities clear as mud?

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Nacha Releases ACH Operations Bulletin #1-2022

The one about allowing relief to expire as of October 1, 2022.

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Access Devices and Regulation E – Clear as Mud?

Reg E’s definition of access devices seems clear, but today’s tech has muddied the waters.

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Risky Business: Payments Edition

You may be asking – what exactly is involved in conducting a risk assessment?

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Examining Credit Risk in ACH Origination

Let’s talk about an ODFI’s greatest risks and ways to set your organization up for success.

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Supplementing Data Security Requirements Phase Two

The next ACH Rules change goes into effect THIS MONTH on June 30. Are you prepared?

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Fighting Elder Financial Abuse

Dear Hoot-E, how can I protect my elderly account holders from financial abuse?

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Regulation E and the Debit of Provisional Credit

Let’s talk about not properly notifying the consumer when debiting a provisional payment.

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Study Sheds Light on Post-Pandemic Consumer Demands

COVID shifted consumer behavior, including ways in which they interact with FIs.

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Checking in on Checks

Although the industry has seen a decline in the check processing volume, checks are still a staple form of payment.

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Unauthorized ACH Transactions: RDFI and ODFI Responsibilities

What actions and obligations should be taken for unauthorized ACH and their Returns?

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Wait, Stop! I Need Help with Stop Payment Orders!

ACH Rules verbiage changes implemented last year has some scratching their heads.

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Ask Hoot-E: Reg E & Electronic Transactions

I’m struggling with Regulation E and electronic transactions – can you give me a refresher?

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Expand Your Financial Literacy Resources

Gain insight about ways financial institutions can provide much-needed financial literacy information to clients.

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Who's on the Hook for That Check?

Let’s discuss situations to determine who is responsible outside of the timeframe.

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Payments Professionals Gather for First-Class Payments Conference

Catch up on what you missed in Columbus.

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Meet Conference Speaker David Behen

The final speaker we are introducing is David Behen, VP/CIO for La-Z-Boy Inc.

Meet David →

Educating Originators

Dear Hoot-E, I know I need to educate my ACH originators, but where do I start?

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Meet Conference Speaker Dena Somers

Get to know our conference speaker and regulatory compliance attorney Dena Somers, Esq. of Infused Banking.

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Common Tax Refund Questions Answered

Here are some common questions with Rules-based answers you can rely on.

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EPCOR Keynote Shares Inspiring Story

Watch this preview of Chad's amazing story of perseverance that he will share during the keynote session.

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Who’s on the Other Side?

Fraudsters are constantly looking for ways to swindle money and that certainly includes new account fraud.

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Meet The Payments Professor, Kevin Olsen

Get to know our emcee Kevin Olsen as we gear up for EPCOR Payments Conference – Spring 2022 next month.

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Important Nacha Updates

Please note the following important updates from Nacha: ACH Rules Supplement #1-2022 and ACH Rules Errata #1-2022

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Things to Consider About Offering P2P

Let’s discuss risks associated with this service, housekeeping that should be conducted and how Regulation E may apply.

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Auditing More Than Just ACH

Dear Hoot-E, I always find your ACH Compliance Audit findings and tips helpful. Do you have any non-ACH audit tips?

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Mark Your Calendar for the Newest ACH Rule Change

Micro-Entries will formally hold their place within the ACH Rules effective September 16, 2022.

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EPCOR Members Among Best Banks of 2022

Fifteen EPCOR members were recognized among Forbes’ 13th annual America’s Best Banks list.

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C4P Seeks Insights on Same Day ACH Usage and Strategy

Respond to the survey by February 28 for a customized benchmarking report.

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SDA Dollar Limit Increase: What This Means for You

On March 18th the Same Day ACH dollar limit will be increased to $1 million per payment.

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Lucky in Love or Unlucky in a Scam?

Here are tips and helpful information to share forward so your clients can avoid a romance scam.

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New Additions Coming to the Electronic Resources License

We have many new and exciting additions coming up this year!

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ISO 20022

Dear Hoot-E, What’s the buzz about ISO 20022? Do I need to be an ISO 20022 expert?

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Data Privacy Week is Happening Now!

Take action, help create a culture of privacy and support Data Privacy Day!

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What the Fraud is Going On?

Check out this blog by one of our trainers for an overview of what will be discussed at Payment Systems Update.

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Prompt Recredit: What Exactly Does That Mean?

Understand the interplay between Regulation E and the ACH Rules.

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Federal Reserve Study Finds Effects of the Pandemic

In 2020, for the first time in history, the number of card payments declined.

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EPCOR Audit Team’s Tips for 2022

Dear Hoot-E, does your audit team have any compliance tips for us in the new year?

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Center for Payments Unveils Newest Payments Infographic

Learn if EPCOR’s New Year’s Resolutions align with the rest of the payments industry.

Download Now →

Best Banks and Credit Unions to Work For

22 EPCOR members were among those recognized.

Best Banks Best Credit Unions

Investing in Your Professional Future

Consider joining the 1,000+ payments professionals who have earned the National Check Professional (NCP) accreditation.

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A Sneak Peek at Payment Systems Update

Dear Hoot-E, what can I expect to learn at Payment Systems Update in person next year?

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Nacha Releases ACH Rules Supplement #3-2021

Keep aprised of new Rules changes with this new supplement.

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Meaningful Modernization for Debit Authorizations?

“Readily identifiable” & “clear and readily understandable” and what it means.

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EPCOR Board Member Among Nacha Board

Beth Cronenweth of UMB Bank NA, who is currently serving on the EPCOR Board, will officially join the Nacha Board.

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Fraud in the EPCOR Footprint: Ransomware

The situations are much more common than you think and continue to grow in popularity.

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Ask Hoot-E: Are My Originators Following the Rules?

Dear Hoot-E: How do I know if my Originators are following the Rules?

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EPCOR Payments Conference - Fall 2021 was TOTALLY TUBULAR!

Back to the Future of Payments, EPCOR Payments Conference - Fall 2021 was a major success!

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Four Things to Know about Faster and Instant Payments

Here are four things that are important to know if you’re just getting started on your instant payments journey.

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Fighting Fraud: Counterfeit Checks

We consistently receive calls asking about rights regarding fraudulent checks. Here are a few helpful hints.

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Advice from an Auditor: Originator Risk Reviews

Should ODFI Risk Management end at exposure limit review? The answer is no. Here are a few things to take into consideration.

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Pumpkin SPICE Up Your Payments Education!

Dear Hoot-E, What resources are available for educating myself, my staff and corporate clients?

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Meet Debbie Smart

In anticipation of EPCOR Payments Conference next month, we would like to introduce you to Debbie Smart, CTP, NCP, Senior Product Marketer at Q2.

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Nacha Launches DirectDepositDelivers.org

Nacha has launched a new website that you can share with your account holders to help illustrate the safety and vitality of the ACH Network.

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Fighting Puppy Fraud

Dealing with fraud is RUFF, especially when you’ve already fallen in love with a puppy you think is about to join your family.

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EPCOR Payments Conference: Meet Diana Kern

EPCOR Payments Conference – Fall 2021 is next month and we're gearing up for a great event!

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The Truth About Sending Point Agreements

Do you have an agreement with your mailman? Even though that sounds crazy, a Sending Point is a lot like a mail carrier.

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Ask Hoot-E: Virtual Compfraudulation Symposium

Dear Hoot-E: I have a few questions about your Virtual Compfraudulation Symposium. Can you give me the scoop?

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Which 60 Days is It?

Reg E and the ACH Rules each have a 60-day period for unauthorized payments. Understanding the differences is important.

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Types of Constructive Knowledge of Death

Let’s dive into the benefits and possible downfalls of common constructive knowledge events.

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ODFI Risk Management: Exposure Limits and Prefunding

It’s important to periodically review what the ACH Rules say about risk and how to mitigate risk.

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10.2 NCP Credits Wrapped Up in ONE Package!

Make continuing education easy with our hassle-free recorded webinar package offering 10.2 NCP credits!

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Unwanted ACH Credits: Is That Really a Thing?!

Can you imagine receiving an ACH credit transaction in your account and not wanting it?

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Take the Scary Out of Conducting Your Audit!

Join us August 4-5 for Navigating the ACH Audit to walk through the steps to conduct your ACH audit with confidence.

Register →

Phase Two: ACH Contact Registry

Avoid an ACH Rules enforcement proceeding and fines at the Class 2 violation level.

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How Can I Learn About ACH Rules Changes?

Here are a few easy ways – INCLUDING ONE NEW ONE - to keep up to date.

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Are You ACH Audit Ready?

"I look forward to my ACH Audit," said NO ONE EVER! Going in prepared and with a positive attitude makes all the difference!

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You’re Only an RDFI? Are You Sure About That?

Let’s talk about what it really means to be an RDFI and if your organization discovers you’ve been an ODFI all along.

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Customize Your Class Schedule

Download our syllabus and check out the wide variety of topics offered this year at EPCOR Payments University.

Virtual In-person

Hey, RDFIs! The WEB Debit Account Number Validation Rule Affects You, Too!

Effective on March 19, 2021, this Rule doesn’t just impact ODFIs!

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Wet Signature Not Required – Say What?!

Are the days of utilizing pen and paper and physically signing your signature to return an unauthorized ACH debit entry really a thing of the past?

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Nacha Releases RFI, RFC and Operations Bulletin

RFI & RFC Info → Ops Bulletin →

2021 Member COVID-19 Response Survey Results

Curious as to what our members were planning as 2020 began to become a distant memory?

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The Center for Payments Digitizing Payments Survey

Dear Hoot-E, what is the Center for Payments Digitizing Payments Survey?

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The Rules Behind Reinitiated Entries

Let’s talk Reinitiated Entries – why they’re used, the requirements for formatting and how to identify them.

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Three Reasons Our Prep Program is in a League of Its Own

Let’s discuss the top three reasons past MVPs recommend the program.

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Nacha Releases Supplement #1-2021

An amendment to increase the same day ACH dollar limit to $1 million has been approved.

Download Now →

Information on the Next Wave of EIPs

Share our new video to help clear up any confusion surrounding the settlement date of ACH payments and reinforce the trust in your banking relationship.

Watch Now →

Ask Hoot-E: How to Educate ACH Originators

How can I educate my Originators on the ACH Rules?

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Securely Meeting the Need for Online Account Opening

Digitizing Payments: The Online Account Opening Experience, found 52% of FIs now offer online account opening.

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So, You Want to Originate ACH?

It’s not quite that simple. Here are a few things to consider before you begin ACH origination.

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Are You Ready to Hop in the Driver’s Seat?

If you’re considering becoming an APRP, hear how EPCOR can help prepare you for the road ahead with our APRP Prep Program.

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Dr. Fraud Diagnoses an Issue with Text Alert Services

Does your financial institution use a text alert service? There may be something you're not considering!

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Virtual Currency: CDD Requirements Surrounding Crypto

If your financial institution is not keeping an eye on this as part of BSA/AML monitoring, you could be overlooking significant risk.

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Do Green Book Changes Impact Your Liability?

Let’s discuss some recent changes and how they impact your organization.

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Don’t Get Caught Up with a Catfish Originator

Here are some things you can do to protect your financial institution from Mr./Ms. Catfish Originator.

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New Corporate User Webpage!

The page will help corporate users ensure compliance with the various rules and regulations in the payments industry by providing educational resources.

Explore →

New Same Day ACH Window Effective March 19

In the new Ask Hoot-E, which was originally Ask Mary, we’re discussing what’s coming up for Same Day ACH.

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Camper Confirms ACH Virtual Day Camp is a HOOT!

Hoot-E recently sat down with an EPCOR member, for feedback about camp if she thinks payments newbies should attend.

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Do Your ACH Procedures Follow Your Policy?

After sending NOCs for a year, an examiner notes NOCs are not allowed per the policy. Avoid a similar mistake with these tips.

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Congratulations to our New APRPs!

We recently welcomed 26 new Accredited Payments Risk Professionals (APRPs) into the EPCOR family!

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Let’s Survive the Check Fraud Pandemic Together

Learn about the ever-present issue of check fraud, including the scheme we heard the most in 2020.

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Members Give Season One a Rotten Tomatoes Rating

Three members recently got a preview, here are their thoughts and why they think YOU should attend.

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To P2P or Not to P2P

Ask the right questions, before making the leap into offering P2P payments.

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Ask Mary: Unauthorized WEB Debits

How will the new ACH rule for WEB debits affect unauthorized debit claims?

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Coming to a Screen Near You!

Get the inside scoop about what members should expect when streaming Payment Systems Update!

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ACH Audit: Rejected Prenotes, Exceptions and Returns

Let’s discuss the importance of some necessary documentation items.

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Does the Breach of Warranty Claim Last Forever?

The ODFI warrants all transactions processed with their routing number. How long this does this warranty last?

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Are Your Origination Agreements Acceptable?

Here are some requirements and best practices to consider for your ACH Origination Agreements.

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Ask Mary: What’s Coming in 2021?!

Last year was so unpredictable and I’m ready for a fresh start… What does EPCOR have coming up this year?

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Important Information on Round Two of EIP Payments

Read detailed information and tips for handling the second round of Economic Impact Payments (EIPs)

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Reg E: Ready. Set. Investigate!

When does your Regulation E investigation start?

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Nacha Releases Supplement #3-2020

Includes effective dates for eight amendments to the ACH Rules which range from January 1, 2021, through September 17, 2021

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Ask Mary: New ACH Rules Regarding Reversals

How will the new ACH Rules regarding reversals impact my organization?

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Has Your Risk Profile Changed?

A change in a business status could impact an account holder’s standing within your financial institution’s risk tolerance and credit portfolio.

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EPCOR Members Among Best Banks to Work For

Thirteen EPCOR member financial institutions made this year’s list from American Banker.

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EPCOR Payments Conference is Happening Now!

EPCOR Payments Conference 2020 – Virtual Edition is this week with more than 300 members participating!

See You there →

Meet Danny Schneider

For our final conference speaker interview, we’re getting to know Danny Schneider.

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ACH Operations Bulletin #7-2020 Released

This Bulletin provides a relief update and information on upcoming effective dates of new Rules and other requirements.

Download Now →

ACH Stop Payments – So Many Questions!

Let’s go over some helpful questions to ask your account holders to ensure you process stop payment requests correctly.

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The Payments Professor Conference Speaker Video

Check out this short video and meet Dr. Susan Harrison and learn what she'll be covering at our conference!

Watch Now →

Ask Mary: Text Message Fraud

Dear Mary, I’ve received a few weird texts lately… Should I click this link?

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Meet Our Keynote Speaker

EPCOR Payments Conference 2020 - Virtual Edition is less than one month away! Here’s what Lee Wetherington hopes you’ll take away from his session.

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3 + 3 + 16 = 22 Payments Education Webinars!

We just added THREE new webinars! Add that to THREE upcoming webinars, PLUS SIXTEEN recorded webinars and you get A LOT of webinars!

Online Store →

Don’t Fall into a Fraudster’s Trap

Learn how one woman lost nearly $10,000 to an everyday fraudster and how you can prevent this from happening to yourself or those you love.

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Don’t Get Left on the Hook for TPS Non-Compliance

Here are some conversation-starters and tips for maintaining your TPS relationships.

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Happy National Payroll Week!

Celebrate America’s employees and the payroll professionals who pay them. Here are a few easy ways your organization can celebrate.

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What’s Happening Now with FedNow?

The Federal Reserve Board of Governors recently addressed the status of the FedNow Service, including its implementation timeframe and what comes next.

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Ask Mary: Can This Learning Event be Submitted for Other Credits?

Do EPCOR learning events qualify for CEUs for certifications other than AAP, APRP, or NCP?

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Roll Out the Red Carpet for Our TWO New Advisory Services

We are pleased to introduce two new service offerings - wire transfer audits and remote deposit capture (RDC) audits.

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More than Meets the Eye: Deception by Deepfakes

Cybersecurity experts have growing concerns about the dangers that deepfakes may pose to financial systems.

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Ask Mary: Did I Miss Anything Due to COVID-19?!

Can you fill me in on what I may have missed while my world was turned upside down?

Read More →

What I’ve Learned as a First-Year Auditor

Liz Cone shares what she’s learned along the way, including tips for a smooth audit experience.

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Setting Sights on Synthetic Identity Fraud

Determine what your what your organization can do to mitigate synthetic identity fraud.

Read More →

Apply Your SPF and Watch Your Exposure (Limits)

Don’t lose sight of the protections implemented to minimize credit risk when processing ACH transactions – exposure limits.

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Updated Guidance on Economic Impact Payments

More EIP guidance, a notice regarding cancellation of outstanding EIP checks, including payments to the deceased.

Read More →

Updated Guidance on Unemployment Fraud

Guidance has been received for financial institutions on how to detect and mitigate fraud and a list of state unemployment agency ACH information.

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Postal Banking, FedAccounts & Digital $: Congressional Interests in Innovation

Congress has been exploring new payments innovation concepts, some of which may surprise you.

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Ask Mary: Wire Transfers are Risky – What Can We Do?!

Dear Mary, how can we manage our risk with wire transfers?

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Digital Dollars: The Next Step for Money?

Recently, the Digital Dollar Project released its first white paper sparking debate and discussion in the industry.

Read More →

Know Someone Awesome? We’re Hiring!

EPCOR is looking for a dedicated Information Technology Manager to propel our association into our next phase of growth.

Apply Now →

EPCOR Payments University Has Gone VIRTUAL!

Join us Sept. 22-24 for a whole new learning experience that is NOT a webinar, NOT a seminar and NOT a conference.

Register Now →

Top 4 Tips to Prepare for Your ACH Audit

Here are our top four tips to help make your audit as smooth, efficient (and hopefully pain-free) as possible.

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Ask Mary: COVID-19’s Impact on Payments Usage

Dear Mary: How has COVID-19 impacted the way people use payments?

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EPCOR Member is First Corporate Credit Union Participant on the RTP® Network

Corporate One FCU is the first corporate credit union to receive payments via RTP® network.

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Relaxing Regulation E Subpart B Safe Harbor Exemption

Amidst the Pandemic, changes to the Regulation E Subpart B Safe Harbor Exemption are being made. 

Read More →

Navigating Your ACH Audit Has Gone Virtual!

Join us to walk through the steps you need to take to conduct your ACH audit with confidence and navigate potential roadblocks that might pop up along the way

Register Now →

Jumping on Board with RDC

Given the effect COVID-19, RDC is a great option for financial institutions. Here's some brief info to help get you started.

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5 Things NOT to Miss When Setting Exposure Limits

Providing additional data points to your credit officers during the exposure limit review will help strengthen your process.

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This Shipment Has Your Name All Over It!

This week, EPCOR plans to resume shipping of our printed publications.

EPCOR Member is Leader in COVID-19 Loans

Union Bank & Trust hustled to process applications under the Paycheck Protection Program and ranked second in the nation...

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Relaxing Regulation D

A recent announcement will help alleviate some concerns of account holders and their financial institutions when it comes to withdrawing money from a savings account.

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EPCOR Members Among Top 50 RDFIs and ODFIs

EPCOR members are among those named by Nacha as the top 50 ACH originating and receiving financial institutions.

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Ask Mary: What EIP Questions Are You Hearing?

Mary has compiled a list of our most asked EIP questions and is answering them one week early.

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Nacha Releases Supplement #2-2020 and Errata #1-2020

Changes to effective dates of Supplementing Data Security Requirements and the Return Reason Code R83.

Read More →

CFPB's COVID-19 Guidance on Remittance Transfers

The CFPB is taking steps to ensure that consumers will be able to continue to send remittance transfers without disruption.

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Handling the First Round of Economic Impact Payments

The first wave of Economic Impact Payments have been sent via ACH, settling April 15th. Here's what we know so far.

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COVID-19 Update from Nicole Payne, VP of Advisory Services

We have adapted so we can continue to deliver our audit, risk and consulting services.

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Posting COVID-19 Stimulus Payments (EIPs)

All Green Book and ACH Rules apply for Federal non-benefit payments when posting EIPs…

Read More →

Nacha Releases ACH Operations Bulletins

Extending the effective dates on Supplementing Data Security Requirements and signature requirements for WSUD are detailed in the latest bulletins.

Read More →

Our COVID-19 Statement from President Susan Doyle

Learn how we've taken precautionary measures to follow CDC recommendations and how we're still here to help.

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Hoot-E's Hint for Working at Home

Remain secure and compliant while working in a remote environment.

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COVID-19 Resources in the Knowledge Community

Find helpful announcements and guidance. We encourage you to check back often as developments continue to unfold.

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Is Your Institution Prepared for an Emergency?!

With the current scare of the coronavirus, it’s now more important than ever for you to have a business continuity plan.

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Why I Became an APRP

Jim Haslag, AAP, APRP, CTP, Director of Deposit Services at Providence Bank shares why he chose to obtain his APRP certification, how it has helped him in his position and more.

Read More →

Apply Now for YOUR Payments Institute Scholarship!

EPCOR is offering two full scholarships to Nacha’s Payments Institute!

Apply Now →

Ask Mary: What Are Your Auditors Seeing?!

Do the EPCOR auditors have any tips they can share from their experience in the field?

Read More →

Prepare Now for Mandatory ACH Contact Registry

This time the Registry isn’t optional and, while it doesn’t open until July, it will take some time to gather necessary information.

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2020’s First ACH Rules Change Is COMING!

Mark your calendar for March 20th when the dollar limit for a Same Day ACH transaction – credit or debit – will be increased from $25,000 to $100,000.

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Regulation CC Subpart B is Getting a Lift!

Regulation CC Subpart B changes are going into effect soon. Here’s what this means for YOU!

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Ask Mary: Faster Payments – Where Do I Begin?!

How can I get up to speed on the latest developments and start our implementation plan?

Read More →

ACH Network Volume Grows 8.1% in 2019's Final Quarter

The fourth quarter was the first full quarter in which the volume of Same Day ACH payments exceeded one million per day.

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Higher Dollar Limit for Same Day ACH Means a Huge Growth Opportunity for B2B

Same Day ACH usage for B2B is huge—and it's going to get even bigger this March.

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Data Privacy Day is ONE WEEK Away!

January 28th is Data Privacy Day. Here’s how you can get involved!

Read More →

EPCOR Legend Bids Adieu

Wendy Wishon, AAP, NCP, will be retiring after 24 years of service to our association.

Read More →

Nacha Issues Operations Bulletin #1 – 2020

This bulletin confirms the effective date of a third, daily Same Day ACH processing window as March 19, 2021.

Read More →

I Don’t Recognize This Transaction?!

Now is the time account holders begin to review their statements in disbelief of how much money has slipped through their fingers...

Read More →

Ask Mary: AAP, APRP, NCP… What’s Right for ME?!

I’d like to add a few letters behind my name this year, but I’m not sure which certification is best for me...

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Get 20/20 Vision with EPCOR Advisory Services!

Get a better view into your organization's payments practices with a fresh set of eyes!

Read More →

Safe Harbor Expiring Summer 2020 (Maybe)

All financial institutions will be required to abide by all stipulations of Regulation E Subpart B. How will this impact YOU?

Read More →

Congratulations to our TEN Winners!

In honor of this special holiday season of our 10th Anniversary year, Hoot-E hosted a 10 Days of Giving Event December.

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Ask Mary: What’s New for Payments in 2020?!

The new year is coming faster than I realized! What do I need to have on my radar in 2020?!

Read More →

Your Voice Sets Us Apart!

You can influence the direction of EPCOR by serving on an EPCOR Committee.

Read More →

It’s EPCOR’s tenth Thanksgiving.

Here are the top reasons YOU are what we're most grateful for!

Read More →

Hemp and CBD Due Diligence

While the 2018 Farm Bill provided for a legal hemp market, several questions remain as to how to properly administer client accounts.

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Establishing, Implementing & Reviewing ACH Exposure Limits

Are you evaluating whether ACH activities are conducted within the risk parameters established?

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Meet Matthew Wade

Recently, EPCOR welcomed three new staff members. Introducing Matthew Wade, CPA, Audit Services Manager.

Read More →

Third-Party Senders with Third-Party Senders as Clients… Say What?

It is a good time to look at relationships to see what you really have in your portfolio.

Read More →

Shop Our Pre-Black Friday SALE!

We've decided to run a sale, so the 2019 NACHA Operating Rules & Guidelines digital access and online resource are now 50% OFF!

Order Now →

Ask Mary: Ho-Ho-How Do I Stay Safe this Holiday Season?!

How can I be a safe shopper this year?

Read More →

The Road to Faster Payments Sees Record-Breaking Attendance

Payments professionals flocked to Overland Park, Kansas last week to join us for advanced learning, valuable networking and more.

Read More →

Payments Insider Now Available

The October 2019 edition of Payments Insider (formerly Inside Origination) is now available.

Download Now →

Payments Game Plan Roadtrip

Brian Laverdure, AAP, recently hit the road for a first-hand look at how EPCOR members are approaching payments strategy.

Read More →

5 Spookily Good Cybersecurity Tips

Everyone is responsible for cybersecurity! Here are five tips to help you stay secure!

Read More →

Add Yourself to Our Audit Calendar

The ACH Rules require an ACH Rules Compliance Audit by December 31st of each year. Don't Delay!

Schedule Now!

Order Now to Save Up to 20% on 2020 ACH Rules

Save up to 20% by placing your order of the ACH Rules by October 24, 2019. Payment is not due until January.

Order Now →

Ask Mary: Is the Grim Reaper More than a Scary Story?!

It seems like our account holders are always being preyed on by fraudsters. Is it just us?

Read More →

Federal Reserve Banks Pause Fedwire® Funds Service’s Migration to ISO® 20022 Messages

Based on a recent industry request, the Fed has announced a pause in their plan.

Read More →

Nacha Provides 'Local Time' Guidance for RDFIs

Nacha is issuing this guidance to aid RDFIs in determining what local time may mean for their institution.

Read More →

EPCOR Launches Partnership with Segmint

We recently announced a new partnership to help monetize transaction data. Here's what Segmint can do for you!

Read More →

Hanging Out with Dr. Harrison

Here’s a sneak peek at the inspiring professional development advice that Dr. Susan Harrison will be sharing!

Read More →

EPCOR Member DFIs Named "Best to Work for" in 2019

Congratulations to the EPCOR member financial institutions who ranked on American Banker's list of "Best Banks to Work For!"

Read More →

Cutting the Cord on ACH Origination

When an ACH Origination client engages in illegal activities what is the impact on your financial institution?

Read More →

Faster Payments Council Launches Research Effort

FPC has reviewed proposals for its thought leadership/research project and urges you to participate.

Read More →

EPCOR Welcomes New Vice President, Advisory Services

Learn more about Nicole’s background, her hopes for her new position… and what card game she’s addicted to playing!

Read More →

Last Chance to Travel with Hoot-E!

Send Hoot=E a “postcard” highlighting a special story, memory or a fun fact about you, your organization or your community!

Read More →

Scholarship Winners Return from the Payments Institute

Our scholarship winners are back from the Payments Institute and ready to share their experiences!

Read More →

Libra Payments: What’s All the Fuss About?

Continued concerns about what could happen if a privately-managed global currency becomes widely adopted.

Read More →

Federal Reserve to Launch FedNow℠

Here’s how the Fed’s new real-time payment system came about and what comes next.

Read More →

EPCOR’s CEO Awarded Lifetime Achievement Award

Ann-Marie Bartels, AAP, CEO was recently presented with the Albert Nelson Marquis Lifetime Achievement Award.

Read More →

Ask Mary: Your UCC4A Responsibilities

What are my financial institution's responsibilities under UCC4A?

Read More →

Federal Reserve Announces RTGS

The Federal Reserve will invest in a new service to help ensure that real-time payments are available to everyone...

Read More →

New: Regulation D 201 Course Available!

This new course explains the regulation's transaction limitation requirements and the consequences of exceeding the prescribed limit.

Register →

Third-Party Senders: Should You Look Again?

Here’s an update on the results of Nacha’s Third-Party Sender Registration.

Read More →

White Paper Examines Synthetic Identity Payments Fraud

A little-understood problem that affects individuals, financial institutions, government agencies and private industry.

Read More →

Nacha Requests Comment on ACH Contact Registry

Nacha has issued a RFC to create a registry of contacts for resolving ACH operations and risk management situations.

Read More →

Regulation CC Changes are Coming!

The CFPB and the Federal Reserve jointly released amendments to Regulation CC. Find out how this will impact your institution!

Read More →

EPCOR is Hiring!

We are seeking an Audit Services Manager to conduct on-site and remote ACH Rules Compliance Audits and ACH Risk Assessments.

Apply Now →

Ann-Marie Says, "Happy Birthday, EPCOR!"

Read EPCOR CEO Ann-Marie Bartel's latest blog post wishing EPCOR a Happy Birthday!

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I Wish I’d Gotten My AAP Years Ago!

EPCOR staffer Larry Matteson shares his experience with avoiding, and eventually sitting for and passing, the AAP exam.

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Faster Payments Council Hires First Executive Director

The FPC recently announced that payments industry expert Kimberly Ford is joining the organization.

Read More →

New Regulation D Course Added!

Our Electronic Resources License now features two courses to help with your annual or new-employee training on Regulation D.

Learn More →

EPCOR Announces New Board of Directors

Find out more about our three new board members for the 2019-2020 term.

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Moving on Up with Same Day ACH

The next phases of Same Day ACH are coming soon. Learn more about what this means for your institution!

Read More →

Susan Doyle Elected to U.S. Faster Payments Council

Doyle, one of 21 individuals elected to serve on the first U.S. Faster Payments Council Board of Directors.

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CHEERS to Our 23 New NCPs!

We would like to recognize the 23 EPCOR members and staff who just received their National Check Professional (NCP) accreditation!

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Ask Mary: What’s the 411 on Stop Payments?

What’s the difference between stop payments and written statements, and when each should be used?

Learn More →

Over 200 Payments Professionals Gather in the Buckeye State

Payments professionals flocked to Columbus, Ohio last week to join us on The Road to Faster Payments.

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RDC Can Be a RISKY Business!

Here are a few things to consider if you have an RDC program or are thinking about starting one.

Learn More →

Congratulations, 2019 Scholarship Winners!

Tara McGlocklin winner of the Anthony Cope Scholarship; and Sara Sullivan, winner of the John P. Borden Scholarship. Tara and Sara will be attending the Payments Institute in July.

The CFPB Needs Information from YOOOU!

The CFPB has issued a request for info regarding Dodd-Frank 1073 and the temporary "Safe Harbor" disclosure exemption.

Learn More →

The Center for Payments Announces Survey Results

Results of the national survey were announced to a standing room only crowd at Nacha's Smarter. Faster. PAYMENTS 2019.

Learn More →

Meet Eric Foust, Zelle

Here’s a glimpse into the journey of Eric Foust, one of the industry leaders joining us later this month on The Road to Faster Payments.

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Ask Mary: What Should We Do Now?!

What should we do now that the Corporate Edition of the ACH Rules has been discontinued?

Learn More →

Industry Leaders Form Center For Payments

EPCOR is proud to be one of the sponsoring organizations of the Center for Payments.

Learn More →

Meet Amanda Hale

Hoot-E would like to introduce you to Amanda Hale, Finance & Administrative Coordinator.

Learn More →

EPCOR Member Shares Why She Became an AAP

Mary Jo Grenig, AAP, Operational Support Manager, Emerald Credit Union shares why she chose to obtain her AAP certification.

Learn More →

Payments Innovation Alliance Faster Payments Primer

The Faster Payments 101 tool is designed to help financial institutions understand their faster payments options.

Learn More →

Commercial Reclamations: Do I Have to Send the Money Back?

As a Receiving Depositary Financial Institution (RDFI) what are your responsibilities?

Learn More →

Meet Jennifer Kline

Hoot-E would like to introduce you to Jennifer Kline AAP, APRP, NCP, Director, Audit Services.

Learn More →

EPCOR’s Brandie Thacker Recognized

Recognized as a Young & Aspiring Professional at Association Trends' Salute to Excellence

Learn More →

Don’t Be An April Fool – Get the Most Out Of Your Membership!

All the offerings mentioned in your weekly newsletter make me realize I could be doing more. Where do I start?

Learn More →

NACHA Releases ACH Operations Bulletin #3-2019

The Unauthorized Entry Fee will remain at $4.50 per covered return during the next three-year period.

Learn More →

Faster Payments: Gone in 60 Seconds

We have many innovative sessions planned, including Gone in 60 Seconds – The Brave New World of Faster Payments with Kevin Olsen.

Learn More →

Fraud Alert: What Happened to Grandma’s Money?

Elder abuse isn’t limited to physical mistreatment, but can include financial exploitation by scammers or family members.

Learn More →

Take the Wheel of Your Payments Journey!

Stop being a passenger, join us at EPCOR Payments Conference – Spring 2019 May 21-23 in Columbus, Ohio!

Learn More →

Disputed ACH Entries: Consumer vs. Non-Consumer

When an account holder notifies you of an ACH entry, some research must be done to determine what should be done.

Learn More →

Ask Mary: Lucky in Love or Unlucky in a Scam?

Where can I find tools or resources to help fight against or prevent love scams?

Learn More →

Meet Susan Doyle

Hoot-E would like to introduce you to EPCOR's new President, Susan Doyle, AAP.

Learn More →

Confessions of a First Year Auditor

Hear how EPCOR’s newest auditor, Emily Hays, AAP, handled her first year on the job and what she learned along the way.

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Were YOOOU One of Our Lucky Winners?!

On February 20th, we announced the winners of our BIGGEST GIVEAWAY of the last DECADE in celebration of our 10th Anniversary!

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Why I Became an APRP

Tammy McFerran, AAP, APRP, shares why she chose to obtain her APRP certification, how it has help her in her position and more.

Learn More →

How the EU’s GDPR Impacts Y-O-U

Learn how the European Union’s General Data Protection Regulation (GDPR) impacts financial institutions and what you need to do to stay compliant.

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Educators and Bank Work to Create Student-Run Bank

One EPCOR member, Blue Ridge Bank, is offering a unique brand of on-the-job training for high school students.

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New ISO 20022 Capabilities Directory Invites Entries

Take advantage of the opportunity to share your organization’s ISO 20022 capabilities with potential corporate clients.

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Happy National AAP & APRP Day!

Today is a day of celebration! And, we have 990 reasons to celebrate!

Learn More →

Meet Jennifer Hays

Hoot-E would like to introduce you to Jennifer Hays, Manager, Finance & Technology.

Learn More →

Checking Statements and Dispute Requirements

If statements arent checked in a timely manner do you have to accept disputes for unauthorized transactions?

Learn More →

Same Day ACH Dollar Limit: The Wait is Over!

The dollar limit for Same Day ACH transactions will increase to $100,000 effective March 20, 2020.

Learn More →

Ask Mary: Top Five IRS Tax Refund Questions

Here are our answers to the top five member questions in preparation for the hectic tax refund season ahead.

Learn More →

Hoot-E’s 2019 EPCOR Membership Benefits Guide

Our member benefits guide is out! Download now so you don't miss any of our offerings.

Download Now →

Auditor Report on New Policy Trend

Our audit team has put together some tips on this topic for you to consider.

Read More →

U.S. Faster Payments Council Names Interim Leadership

Learn about the U.S. Faster Payments Council's new leadership, which includes EPCOR's new President.

Read More →

Buckeye Community Bank is Making a Difference

Learn how EPCOR member Buckeye Community Bank is ensuring the warmth and comfort of local Elementary children.

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Meet Jeanne Curtis

Hoot-E would like to introduce you to Jeanne Curtis, Executive Assistant.

Read More →

CFPB Settles with USAA Federal Savings Bank

Settlement announced for violations of the Electronic Fund Transfer Act, Regulation E and the Consumer Financial Protection Act of 2010.

Read More →

2019 Change of Address (Sort of): Audit Requirements

Effective January 1, the requirements the ACH Rules Compliance Audit are moving from Appendix 8 (well, kind of).

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Introducing EPCOR’s New President

We are excited to welcome Susan to the EPCOR team! To learn more about Susan, check out our newest blog post by Ann-Marie Bartels, AAP, CEO.

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Ask Mary: What Accreditation Path Does EPCOR Recommend in 2019?

AAP, APRP or NCP. What do you recommend?

Read More →

Meet Emily Hays

Hoot-E would like to introduce you to Emily Hays, AAP, Manager, Audit Services.

Read More →

Meet Chris Richardson

Hoot-E introduces Chris Richardson, CPA, Director of Finance & Administration.

Read More →

Federal Reserve Request for Comment Talking Points

Want to comment on the Federal Reserve’s RTGS (Real Time Gross Settlement) proposal, but unsure where to start?

Start Talking →

Your Voice Sets Us Apart!

Influence the direction of EPCOR and the challenges that impact member organizations like yours by serving on an EPCOR Committee.

Read More →

Meet Shirley James

Hoot-E introduces Shirley James, AAP, CMP, Director, Conferences & Events.

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Ask Mary: ACH Rules Change Impact on Our Annual Audit?

Is it true that Appendix Eight is going away? What does that mean for our annual audit?

Read More →

November’s Washington Watch is Out Now!

This edition covers the Midterm Election, leadership changes, CFPB agenda including abusive practices rulemaking and more...

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Federal Reserve Board Approves Amendments to Regulation J

Fed approves final amendments to simplify Regulation J and make it conform more closely with Regulation CC.

Read More →

ACH Network Payment Volume Jumps in Q3

Automated Clearing House (ACH) payments totaled more than 5.6 billion in the third quarter of 2018, a 6.7% increase from the same period last year.

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Meet Madison Howard

Hoot-E introduces Madison Howard, Member Communications Specialist.

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Meet Stephanie Mareski

Hoot-E introduces Stephanie Mareski, AAP, APRP, Director, Member Support & Electronic Channels.

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Don’t Let Reclamation Increases Freeze Your Institution this Winter

Brush up on your potential liability and ways to mitigate losses when dealing with reclamations before a potential increase this winter.

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Ask Mary: What Are Your Holiday Protection Tips?

Holidays are a perfect time for fraudsters to pillage money. Here are some tips to share with clients so they can protect themselves.

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The Road to Faster Payments is a Hit in Overland Park, KS

Over 300 payments professionals gathered in Overland Park last week to join us for advanced learning and valuable networking.

Read More →

Susan K. Doyle named President of Kansas City-Based Payments Association

EPCOR announced that Susan K. Doyle will join the association as president on January 1, 2019

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EPCOR Staff Making a Difference

Read about how a donate-what-you-can café is making a difference in Kansas City, Missouri and how our staff members have been involved.

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Managing Originator Reversal Files & Entries

There are different ways for ODFIs to handle reversal procedures for Originators. Here’s what is required, and some tips for a less painful audit.

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Reflections on the Evolution of Payments

While the evolution of payments may seem inevitable at times, our industry’s travels along the path of faster payments are certainly not predetermined.

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Meet Keith Gray, The Clearing House

What does Keith Gray, one of the industry leaders joining us on next week's Road to Faster Payments, think is the top issue in the payments industry?

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Your Data, Your Protection …. Is Up to YOU!

As we think about technology we utilize throughout the day, it’s obvious we leave ourselves vulnerable to cybercriminals.

Read More →

Get an In-Person Update on The Fed's Proposal!

Erik Van Bramer, Federal Reserve Bank of Chicago, will be speaking on the Fed's proposed actions at our Fall Conference.

Learn More →

NACHA Releases ACH Rules Supplement #1-2018

Supplement #1-2018 contains three approved amendments to the ACH Rules and the 2019 ACH Network Administration Fees.

Download Now →

Federal Reserve Seeks Industry Feedback on Real-time Interbank Settlement

Public comment open on actions to support faster payments in the United States.

Read More →

Ask Mary: Is Final Credit Really Final?

After a Regulation E Dispute, can a financial institution take final credit back if they receive a second presentment?

Read More →

EPCOR Board Member Spotlight: Meet Tristan Thompson

Learn about one of our new Board Members on a personal and professional level, as well as his vision for EPCOR.

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Meet Jane Hennessy, G2 Web Services

Find out what she is passionate about and maybe even a fun fact that involves her and Alcatraz!

Read More →

Same Day ACH Will Be Enhanced to Meet ACH End-User Needs

Expanding access to Same Day ACH, increasing per-transaction dollar limit and speed up funds availability.

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Meet David Lott, Federal Reserve Bank of Atlanta

Here’s a glimpse into the journey that led David to the Payments Risk Forum, as an expert in fraud and biometric modalities.

Read More →

EPCOR Audit Team: Notes on Third-Party Service Providers

Our Audit team has been taking notes as the payments industry sees an increased use of TPSPs.

Read More →

You Asked, We Listened – To the Tune of FIVE New Webinars!

Check out our FIVE new webinars PLUS opportunities to bundle and save.

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EPCOR Member Banks Named "Best to Work for" in 2018

Congratulations to the ten EPCOR member financial institutions who ranked on American Banker’s list of “Best Banks to Work For!”

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Join the Fight Against Human Trafficking

You could be the one to spot a human trafficking situation at your financial institution or assist a customer/member escape their situation and get help.

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EPCOR Board of Directors Chairman Spotlight: Greg Nickle

Learn about our new Chairman on a personal and professional level, as well as his vision for EPCOR.

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Ask Mary: Can I Submit This Learning Event for Other Credits?

EPCOR learning events may be eligible for more than AAP or NCP credits.

Read More →

Join Us For A Ride On The Cryptocurrency Rollercoaster!

The debate often boils down to two questions—what are cryptocurrencies and how should they be regulated?

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NOC – No One Cares?

When an Originator’s responsibility is made very clear, why do Notifications of Change remain the most common reason that a Rules violation is filed?

Read More →

Experiences from the Other Side - The Payments Institute

Hear about The Payments Institute from the winners of this year’s EPCOR Anthony Cope and John P. Borden Scholarships.

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Information... The Who, The What, The Why and The How?

How will your account holders react to your requests for additional information? Will they balk?

Read More →

FinCEN Extends Limited Exceptions

FinCEN is extending the limited exception of the Beneficial Ownership Rule for certain financial products and services through September 8, 2018.

Read More →

Federal Reserve Board Seeks Comment on ISO 20022 Proposal for Fedwire® Funds Service

Will ISO 20022 be the new “language” of wires?

Read More →

EPCOR Member Wages War on Hunger

EPCOR member Arvest bank is stepping up to the plate to fight hunger close to home.

Read More →

EPCOR Launches Search for New President

EPCOR has retained Rick Shull of RGS Search Partners, LLC to conduct the search for a new President of the association.

Read More →

Why Should the European Union Matter to EPCOR?

How could GDPR affect your organization

Read More →

Congratulations to Our 16 New NCPs!

Join us in congratulating 16 EPCOR members who have added the NCP credential to their titles!

Read More →

Are You Ready for July’s Reg CC Changes?

When the amendments take effect on July 1st, there will not be an adjustment type code available, but we can help.

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Meet the Top NCP Scorer in the Nation - And In HISTORY!

For the fifth year in a row, EPCOR has been home to the top scorer...

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Dear Mary: How Can We Avoid Losses on P2P Debits?

Have you experienced large dollar losses on Person-to-Person (P2P) debits. Keep it from happening again.

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Members Recognized for Outstanding Lending Practices in Leading Journal

Profiting from Small Business Administration loans — two times more than any other bank.

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Compliance Corner: The Item Never Arrived. What’s an Account Holder to Do?

Do you know what the ACH Rules say about this situation?

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Payments Pulse Goes on The Road to Faster Payments

New episodes of our podcast series are available, hear about EPCOR Payments Conference – Spring 2018.

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Dodd-Frank Rollback Signed into Law by President Trump

How might this new legislation affect your organization?

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Ask Mary: What's the Difference Between a Payment Product and System?

All this faster payments terminology is freezing up my brain, straighten me out!

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Missouri Updates Notification Requirements for Consumer Accounts

Notice to account holders now required for inactive accounts greater than twelve months.

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Network ACH Volume Up 6% in First Quarter 2018

42.6 million Same Day ACH payments were made in the first quarter of 2018, a 220% increase from the first quarter of 2017.

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Look Out Atlanta – EPCOR Members Are Heading Your Way!

Please join us in congratulating the winners of EPCOR’s two full tuition scholarships to NACHA’s 2018 The Payments Institute (TPI).

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40 EPCOR Members Among First APRPs!

Please join us in congratulating the 40 EPCOR members who recently joined the very first Accredited Payments Risk Professionals (APRPs).

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Laying the Groundwork for a Future of Faster Payments

Susan Doyle, AAP, Commerce Bank talks about the proposed U.S. Faster Payments Council and urges you to share your feedback.

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Dear Mary: How Can We Ensure Our Staff Understands Rules Compliance Requirements That Apply to Their Jobs?

 

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Ready or Not, Here Come Faster Payments

Will you be ready for faster payments by the year 2020? Gain a better understanding of what is going on in the faster payments space.

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EPCOR Members Among Top Originators & Receivers

The Top 50 Originating and Receiving Depository Financial Institutions contains the names of several EPCOR members.

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The First 2018 Issue of Inside Origination is Now Available

Designed to inform Originators and businesses of all sizes of recent payment systems developments.

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Here, There and Everywhere – Emerging Payments in the US

Consumers are discovering more opportunities to make faster payments daily. Is your financial institution tuned in?

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Hoot-E’s Adventures at Payment Systems Update

Hoot-E traveled across the EPCOR region with our training staff the last few months, and he had a blast.

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EPCOR Members Rank Among Forbes’ Top Banks

Congratulations to the EPCOR member financial institutions who were featured in the rankings of Forbes top banks in America!

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EPCOR Community Spotlight Podcast Now Available

After a successful pilot, our new Payments Pulse podcasts are off to the races with the a new EPCOR Community Spotlight...

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Money Laundering Moving Downstream?

Big fines = improved processes for large financial institutions hit with fines. Why might this spell disaster for smaller financial institutions?

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Dear Mary: How Can We Get the Most Out of ACH Origination?

EPCOR’s Advisory Services can provide valuable assistance to ensure your Origination services are effective...

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Secure Payments Task Force: Learn How Payments Work

The Secure Payments Task Force’s Learn How Payments Work website is offering Payment Lifecycles and Security Profiles...

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Riddle Me This…Beneficial Ownership

The next big regulatory change on the horizon is the new Customer Due Diligence (CCD) rule which goes into effect on May 11. Are you ready?

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NACHA Reports Great Response to Third-Party Sender Registration

Over 9,000 Third-Party Senders were registered with NACHA as of the March 1st deadline. Now, NACHA will be validating ...

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Keeping You at the Center of What We Do

Please join us in thanking the members of our eight EPCOR committees who help ensure that everything we do is centered around your needs.

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Go for the Gold!

Prove your prowess with ACH – our AAP Prep Program can help you fly down the slopes, slalom around your peers and skate to the finish line by earning your Accredited ACH Professional credentials.

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Federal Reserve Bank Study Finds Credit Cards Are King

The Federal Reserve Bank’s recent payments study highlights some interesting trends in the ways consumers are spending their money.

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EPCOR Receives Bronze All Media Award

Read about our latest accolade - the 2017 All Media Award from Association Trends’ Salute to Excellence program was awarded to our August, 2017 Member Appreciation Month program.

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Deadlines Everywhere – Are You On-Track?

Same Day ACH Phase 3, the Third-Party Sender Registration Rule, AND continuing education filing deadlines are all coming up with March deadlines!

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Dear Mary: Are Our Policies, Procedures & Agreements Solid?

One of the best ways to remain in compliance with various payment system rules and regulations is by having solid policies, procedures and agreements.

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