National Check Professional (NCP)


What is an NCP?

National Check Professionals (NCPs) are payments professionals who have successfully proven an expert level of understanding of the current check payments landscape which continues to provide lasting value for tens of billions of payments each year. NCPs demonstrate a working knowledge of every significant aspect of the check payments system including products and operations, relevant rules and laws, industry standards and fraud and risk mitigation considerations.


Why should you become an NCP?

Achieving the NCP accreditation clearly demonstrates your commitment and dedication to payments excellence and boosts your profile within the industry by recognizing your knowledge and comprehension of check payments. The NCP designation also recognizes you as a leader in your field, strengthens your professional credibility, demonstrates your commitment to customer/member service and in understanding today's industry trends and topics of interest.

How do you become an NCP?

NCPs must pass the National Check Payments Certification (NCPC) Exam administered annually by the Electronic Check Clearing House Organization (ECCHO). The exam is offered annually during a three-week test window. Administered electronically at various test locations across the country, the exam consists of 120 multiple choice questions. For more information, visit

Learn more about the NCP accreditation process and EPCOR's NCP Prep Course during our FREE on-demand lecture, So You Think You Want to be an NCP?!

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How do you prepare for the NCPC Exam?

EPCOR has designed an intensive preparation curriculum to help you prepare for the NCPC exam. Instructed via webinar, our National Check Payments Certification Prep Program thoroughly examines the check payments process beginning with the basic components following through the entire check processing cycle. Rules that apply to checks, such as Reg CC, UCC 3 & 4, OC3, Reg J, Check Adjustments, ECCHO Rules and ACH Rules related to check conversion. The latest initiatives and innovations in the check industry as well as fraud and risk mitigation will also be covered. Registration for the program typically closes in January. For a high-level overview of the NCPC Prep Program, listen to our free So You Think You Want to be an NCP?! informational recording.

For more information about EPCOR's 2019 National Check Payments Certification Prep Program, click the button below.

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How do you maintain your NCP?

NCPs must earn 50 approved continuing education credits, with no more than 30 credits earned in any one year, by the end of the five year certification. You must also attend any three mandatory annual ECCHO workshops within the same five year period. It is the responsibility of the participant to submit credits to ECCHO each year as appropriate.

EPCOR offers an NCP Continuing Education Package which is a package of on-demand training courses designed to allow NCPs to earn their continuing education credits while saving valuable training dollars at the same time. The courses are available 24/7 and can be taken when it’s convenient for you. To learn more about this package, click the button below.

Package Details

Learn more about the guidelines for reporting continuing education credits and how to maintain your NCP accreditation by visiting

NCP Summer Reading Program

NCP Summer Reading Program

Whether you’re contemplating sitting for the next NCP exam or are already an NCP, the NCP Reading Program developed by ECCHO is highly recommended. Get a head start on your studies for the next exam and/or use it as a resourceful tool to quickly find answers to those complicated check situations.

Download the flyer for more information.

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AAP/APRP/NCP Discount (EPCOR Members Only)

AAPs, APRPs and NCPs deserve special recognition for their dedication to the payments industry. As such, all EPCOR member AAPs, APRPs and NCPs receive a 10% discount off their registration fees for EPCOR Payments Conferences, EPCOR Payments University, Payment Systems Update and any other in-person seminars added in the future. This discount will automatically be applied upon checkout of applicable events when purchased in the EPCOR online store.

Please Note: Discount only applies to AAP/APRP/NCP member registrations. Registrations using the discount may not be transferred. Discount may not be applied to Education Club purchases. Excludes AAP, APRP and NCP Prep Program registrations.