ECCHO equips financial institutions with the rules, protections, and industry connections needed to manage check and image exchange with greater confidence. For organizations focused on check operations, fraud mitigation, and exception resolution, ECCHO delivers practical tools such as common exchange rules, Rule 9 warranty support, member-driven rulemaking, exception-handling resources, and specialized check education. 

Practical Benefits:

•  Provides a common set of image exchange rules for use with other ECCHO Members in private exchanges.
• The benefit to the Members – when ECCHO writes rules, its membership must do a deep dive analysis as it explores the issues. Members of ECCHO shape the Rules.
• Access to the Member only Exceptions Contact Database for exceptions handling and to facilitate check issue resolution
• ECCHO has an Operations Committee that meets in-person twice a year, and ad hoc working groups that meet about six times a year via conference call
• Sample documents such as indemnity claim letters and disclaim forms
• Opportunity to use Rule 9 (forged and counterfeit check warranty) between ECCHO Members for private exchanges and exchanges through the Federal Reserve Bank
  •  Rule 9 At-A-Glance | Rule 9 Reference Guide

•  Access to the following:
  • ECCHO Checkpoint newsletter access
  • ECCHO Education
  • Returns and adjustments information
    • At A Glance Documents
    • Whitepapers
    • ECCHO FAQ
• The National Check Payments Certification (NCPC) provides institutions a ready means of developing or enhancing institutional knowledge which helps combat check fraud
  • Discounts for Members on National Check Payments Certification exam fee ($125 savings)
• A place to call with questions

•  ECCHO maintains relationships with many financial institutions and many industry players
  • Keeps membership up-to-date on relevant information
• Problem resolution and forward-thinking solutions for a more efficient payments system

•  Provides a voice for the industry with regulatory agencies and other groups on check-related issues, now conducted in concert with The Clearing House’s advocacy