Not an EPCOR Member?


Join today and experience our commitment to providing reliable, timely and accurate payments and risk management education, information, support and national industry representation.

More than 14% of all U.S. financial institutions and more than 21% of Nacha-affiliated financial institutions are members of EPCOR, which provides a high level of industry recognition.

Our financial institution members are regional banks, community and savings banks, credit unions and thrifts headquartered in the central United States.

To speak with a Member Support Representative, please call 816.474.5630.


Depository Financial Institutions

Banks, credit unions and thrifts are primary EPCOR members. Dues are based on the asset size of the member financial institution. Every employee of a member depository financial institution has access to all EPCOR programs and services.

Annual membership fee is based on the institution's asset size as of June 30th of the previous year. To estimate your institution’s EPCOR membership fee, please download the EPCOR Member Dues Schedule.

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Join EPCOR by downloading and completing the Depository Financial Institution Membership Application.

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Companies that provide products and services to financial institutions or business users of the payment systems can join EPCOR as Associate Members. The roster of EPCOR Associate Members includes software providers, payments processors, CPA firms, consultants and other organizations. Associate membership includes access to Member Support and information, learning events and publications at member discounts and a business profile on the EPCOR website. And, a discount on the exhibit fee if you choose to exhibit at an EPCOR conference.

Annual membership fee is $500-$1,000 dependent on business model.

Join EPCOR by downloading and completing the Associate Membership Application.

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Businesses and corporations that are payment systems users can join EPCOR as Affiliate members. Affiliate membership includes access to Member Support and information, learning events and publications at member discounts.

Annual membership fee is $250.

Join EPCOR by downloading and completing the Affiliate Membership Application.

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Member Services



EPCOR is Your Electronic Payments Core of Knowledge and Influence.

EPCOR membership means that everyone within your organization has access to an entire staff of payments professionals dedicated to serving you. EPCOR offers financial institutions and affiliated organizations a wide array of services to assist you in maintaining compliance, mitigating risk and fraud and improving operational processes. An abbreviated list of member benefits is highlighted below.

Member Support

EPCOR provides access to reliable information and support for your check, card, wire, ACH, compliance, audit, security, risk management and fraud questions and concerns. Our AAPs, APRPs, NCPs and risk/fraud specialists are available to help answer your questions at any time by phone, fax or via email. Member support is free and available only to EPCOR members.

For those who prefer a self-service approach, a plethora of valuable resources, useful links, research reports, white papers and more are housed in the EPCOR Knowledge Community – a closed, members-only platform that fosters communication and collaboration between EPCOR members and staff.

Explore the Knowledge Community

Communications & Information

Staying up-to-date on evolving payments issues can be a daunting task. A wealth of knowledge is constantly available to you via our News You Can Use e-newsletter, Payments Post quarterly printed newsletter, Payments Insider e-newsletter, Washington Watch regulatory e-newsletter, timely alerts and bulletins, the EPCOR website, social media and the EPCOR Knowledge Community, our members-only platform for communication and collaboration. Additionally, EPCOR Industry Update webinars are free for members and are conducted quarterly to keep you informed of the latest payment systems initiatives, rules and regulations impacting all financial institutions and businesses.

Industry Representation

EPCOR is your voice at a national level. We influence new payment applications, payment systems policies, rules and risk management practices that are in the best interest of our members through participation in a wide variety of councils, committees, associations and work groups. We work diligently to represent the interests of our members who are among the most stable, conservative and risk-averse financial institutions in the country.

Payment Systems Awards

Each year EPCOR recognizes individuals and organizations for their outstanding leadership, innovation and excellence in the development, implementation or advancement of electronic payments and risk mitigation solutions with the EPCOR Marquis Award and The David P. DeMarea Payments Innovation Award. All EPCOR members, including depository financial institutions, affiliates and associates, or their affiliated organizations, are eligible nominees. Nominations may be for an individual or an organization. Awards are presented at EPCOR Payments Conference – Spring and Fall.

For additional nomination information and to view previous award winners, please visit our Hall of Fame page.


Maximize Your EPCOR Membership

EPCOR membership allows everyone within your organization to contact our staff of AAPs, APRPs, NCPs and risk/fraud specialists via the members helpline (800.500.0100), online chat and email ( We can answer your everyday check, card, wire, ACH, compliance, audit, security, risk management and fraud questions.

Membership Benefits Guide

Like most wise owls, our new mascot, Hoot-E, LOVES to give advice. Download Hoot-E’s 2020 EPCOR Membership Benefits Guide to find some of his favorite EPCOR learning events, tools, services and more!

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Membership Includes

  • Payment Systems Rules and Regulations Support
  • FREE Payments Resources
  • Annual ACH Rules Book
  • On-Demand Access to ACH Quick Reference Guide
  • Quarterly Industry Update webinars
  • Periodic Special Industry Update webinars
  • News You Can Use e-Newsletter
  • Washington Watch Regulatory e-Newsletter
  • Critical News Bulletins
  • Fraud Alerts
  • Payments Insider Corporate e-Newsletter
  • Payments Pulse podcasts
  • Peer-to-Peer Dialogue on the EPCOR Knowledge Community
  • Committee Opportunities
  • Scholarship Opportunities
  • Payment Systems Awards
  • Payments Post Quarterly Printed Newsletter

Educational Opportunities

  • 2 Annual Conferences
  • 3 EPCOR Payments Universities
  • Payment Systems Update
  • AAP Certification Training
  • APRP Certification Training
  • NCP Certification Training
  • Navigating Your ACH Audit
  • Webinars and In-person Seminars
  • On-Demand Training
  • Customized Flex Training


  • ACH Risk Assessments
  • ACH Rules Compliance Audits
  • Advisory Services
    • ACH Rules Mapping for Compliance
    • ACH Policies, Procedures and Agreements Review
    • ACH Origination Support Services
    • Payments Expert Witness Support
  • RDC Risk Assessments
  • Third-Party Services

Savings Opportunities

  • EPCOR Education Club
  • EPCOR Electronic Resources License
  • Discounts on EPCOR Publications and Tools
  • Discounts on Nacha Publications and Events