Special Rules: Originator must scan check and capture the Routing, Account and Check number with the scanner. The original check must not be presented for payment if an ARC is or will be processed.

Eligible Checks Must Have: Pre-printed check number, no auxiliary on-us field, less than $25,000, have the account, routing and check serial number encoded on MICR line and completed and signed by the Receiver(check writer).

Special Rules: Originator must scan check and capture the Routing, Account and Check number with the scanner. The original check must not be presented for payment if an BOC is or will be processed.

Eligible Checks Must Have: Pre-printed check number, no auxiliary on-us field, less than $25,000, have the account, routing and check serial number encoded on MICR line and completed and signed by the Receiver(check writer).

Special Rules: Business accounts only, Corporate Receiver right to return as unauthorized limited to 2 banking days, unless account is actually a Consumer (personal) account.

Retention: Originator must retain the authorization for 2 years. Must provide a copy of authorization or customer service resolution number within 10 days of request by Originating/Receiving Financial Institution. (NOTE: Processor may require retention or production of authorization outside the NACHA proscribed parameters).

Special Rules: Originator must scan check and capture the Routing, Account and Check number with the scanner. The original check must not be presented for payment if an POP is or will be processed.

Eligible Checks Must Have: Pre-printed check number, no auxiliary on-us field, less than $25,000, have the account, routing and check serial number encoded on MICR line and completed and signed by the Receiver(check writer).

Credit Entries: Authorization may be provided orally or through other non-written means. (NOTE: Obtaining written, or electronic authorization can reduce errors when obtaining account, routing and dollar amount information).

Debit Entries: Authorization must be in writing and signed or similarly authenticated. Similarly authenticated standard permits signed, written authorization to be provided electronically. The authorization must evidence both the consumer’s identity and the assent to the authorization. Electronic Authorizations Must be able to be displayed on a computer screen or other visual display that enables the consumer to read the communication, Writing and signature requirements are satisfied by the compliance with the E-sign Act. Electronic signatures include but are not limited to digital signatures and security codes.

Notification: If the amount of the debit entry to a Consumer account differs from that of the original authorization, the Originator must send the receiver a written notification of the new amount, at least 10 calendar days prior to debit. If the Originator changes the date on or after the entries are scheduled to be debited from a Receiver’s account, the Originator must send the Receiver written notification of the new date no less than 7 calendar days before the date of the first entry affected by the change.

Retention: Originator must retain the authorization for 2 years. Must provide a copy of authorization within 10 days of request by Originating/Receiving Financial Institution. (NOTE: Processor may require retention or production of authorization outside the NACHA proscribed parameters).

Special Rules: Company Entry Description (check memo) Must contain the word “REDEPCHECK”, Eligible Checks Must Have: The item amount must match the original check, no NSF or Collection fees can be added to the amount. The original check must have been returned for Insufficient or Uncollected funds, the check number must have been pre-printed on the check, the amount must be under $2,500, the check must not be over 180 days old, only consumer checks are eligible, cannot have been presented more than 3 times (once physically, 2 electronically as RCK, or twice physically, and once as RCK).

Special Rules: A TEL entry may only be used when there is an Existing Relationship between the Originator and the Receiver, OR when there is not an Existing Relationship and the Receiver initiates the call. (No Outbound Telemarketing is permitted). The Originator has employed a commercially reasonable method for authenticating the identity of the receiver and has validated the account and routing number.

Single Entries: The Originator must make an audio recording of the oral authorization OR provide the Receiver with written notice confirming the oral authorization prior to initiating the debit entry. A statement must also be made by the Originator confirming the authorization obtained is for a Single-Entry or one-time debit.

Recurring Entries: The Originator must make an audio recording of the oral authorization AND provide the Receiver with written notice confirming the oral authorization prior to initiating the debit entry.

Notification: If the amount of the debit entry to a Consumer account differs from that of the original authorization, the Originator must send the receiver a written notification of the new amount, at least 10 calendar days prior to debit. If the Originator changes the date on or after the entries are scheduled to be debited from a Receiver’s account, the Originator must send the Receiver written notification of the new date no less than 7 calendar days before the date of the first entry affected by the change.

Retention: Originator must retain the authorization (voice recording, or confirmation notice and original agreement from single entries, for 2 years. Must provide a copy of authorization within 10 days of request by Originating/Receiving Financial Institution. (NOTE: Processor may require retention or production of authorization outside the NACHA proscribed parameters).

Special Rules: A commercially reasonable fraud detection system, routing number validation system, receiver identity verification system has been employed to screen each entry. Additionally, each originator of WEB entries shall conduct or have conducted an annual audit to ensure that Receiver financial information is protected by Physical Security, Personnel access restrictions, and Network (logical) security, at a minimum.

Single Entries: The “Payment Type Code” is set to a value of “S” for Single Entry.

Recurring Entries: The “Payment Type Code” is set to a value of “R” for Recurring Entry.

Notification: If the amount of the debit entry to a Consumer account differs from that of the original authorization, the Originator must send the receiver a written notification of the new amount, at least 10 calendar days prior to debit. If the Originator changes the date on or after the entries are scheduled to be debited from a Receiver’s account, the Originator must send the Receiver written notification of the new date no less than 7 calendar days before the date of the first entry affected by the change.

Retention: Originator must retain the authorization and identity verification for 2 years. Must provide a copy of authorization within 10 days of request by Originating/Receiving Financial Institution. (NOTE: Processor may require retention or production of authorization outside the NACHA proscribed parameters).