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Payments Pulse

Payments Pulse
The Clearing House
Payments Pulse

Industry News & Resources

FFIEC Interagency Statement on Business Continuity and Pandemic Planning


Preparing for a Third Same Day ACH Window: Stale-Dated Entries


Scams That Start on Social Media

Source: FTC Blog

The Future of Banking is Human


Venmo, Square Cash, And Paypal Give The QR Code A Second Life


We Get Questions...

Q and A
Q.)   Do you have an updated Written Statement of Unauthorized Debit (WSUD) available at no charge to members? The form I have has a revision date of 02-2011. I am looking for a form that includes the R11 reason code and can’t find one on your website.
A.)   Yes! We review and revise all forms each year (if necessary) and place a new PDF on the Documents on Demand page of our website. The WSUD has been updated for 2020 and includes instructions related to the R11 return code. You’ll need to login to view/download as these resources are reserved for members only. You’ll need to create a profile, if you have not already done so, use your FI-formatted email address, and choose your financial institution from the drop down list when prompted for your organization name. Once your profile is activated, you will have full access to the site and all member benefits. Follow this path to the Members Only section of our site - My Account > Members Only > Sign In > Documents On Demand.
Have a question for TCHPA? Call 800-875-2242 (choose option 3) or email

Unemployment Fraud – The Fallout and Lessons Learned

New On-Demand Webinar - Just Added

Fraudsters love disruption, and there has been plenty of that in 2020. In May, programs designed to disburse money to the unemployed attracted fraudsters who used money mules, identity takeover, and other schemes to profit from the chaos brought on by COVID-19. It was an expensive lesson for many state agencies. In their rush to get the funds into the hands of those who were truly entitled, many fraudulent claims (and payments) were processed. RDFIs could have let payments post to valid accounts but took action when they realized something wasn’t right, and their efforts undoubtedly saved Originators millions of dollars. Learn how your peers navigated their way through the massive unemployment fraud scheme and what needs to happen to avoid similar fraud scenarios in the future.

Order Now (No charge for TCHPA members)
2020 ACH Rules

2020 ACH Rules

Order by December 1st and SAVE!!
Lowest prices of the year - $3.00 off ACH Rule Books, Online Access Codes and eBooks.

The Clearing House provides every member with one complimentary ACH Rule Book (which includes an online access code printed on the inside front cover). These are sent to the attention of your ACH Department. All books are expected to be delivered by the end of December; however, postal slowdowns may impact delivery dates. Now is the time to order additional quantities for your staff and your corporate ACH Origination customers!

Order Now!
Prices return to the regular rate on December 2nd!

Digitizing Payments / Online Account Opening Survey

Reminder: Online Account Opening Survey

Hurry…November 20th Deadline to Respond!

How does your financial institution (FI) stack up in handling online account openings? The Center for Payments is conducting a nationwide online account opening survey. Those who respond will be provided with early access to the results.TCHPA members will also be entered into a drawing for a $100 Amazon Gift Certificate.

TCHPA Members Named to Nacha Board of Directors

Congratulations to Tina M. Knapp, CPA, Vice President and Director at ESL Federal Credit Union and Carl Slabicki, AAP, CTP, Executive Manager at BNY Mellon. Both were nominated by The Clearing House Payments Authority (TCHPA) and we are thrilled to announce that they have been elected to the Nacha Board, which is comprised of senior executives representing financial institutions that utilize the ACH Network and bring diversity in thought, experience and perspective.

AAP, APRP and NCP Alliances in Action

TCHPA Alliance Meetings for Accredited ACH Professionals, Accredited Payments Risk Professionals and National Check Professionals provide member AAPs, APRPs and NCPs with an opportunity to gather and ‘talk shop’ with their peers. Alliance Meetings are run by accredited volunteers and supported by TCHPA staff. Meetings are typically scheduled in-person in areas where the greatest number of members are located but we shifted to virtual meetings in 2020 when the pandemic hit and on October 21st approximately 120 certified professionals participated in our Alliance Meetings. Accredited members from financial institutions and companies of all sizes joined the conversation. Most came from Illinois, Michigan, New York, New Jersey, Pennsylvania and Puerto Rico but all had one thing in common - payments! We are grateful to all but especially our meeting moderators, John Biloz of JPMorgan Chase (Chicago Committee Co-chair) and Maggy Usher of Southern Michigan Bank and Trust (Michigan Committee Co-chair) who were responsible for the AAP/APRP Alliance agenda and Jayne Ross of Mercantile Bank of Michigan for her contributions to the NCP Alliance agenda.

TCHPA Education

Scheduled Sessions:


TCHPA 2021 Education Preview

All On-Demand Recorded Training

Real-Time Payments

The RTP® Network - What's in it for you?

RTP Network User Paychex Wins Award (TCH Blog)
Paychex, a provider of HR, payroll, benefits, and insurance solutions that has sent more than $60 million in real-time payroll over the RTP network since May, has won the “Top HR Product of the Year” by Human Resource Executive magazine for its Paychex Flex® remote workforce enablement solution.

Member Support

Remember, when you need support from The Clearing House Payments Authority (TCHPA), you can reach our Member Services staff directly by calling 800-875-2242 and choosing option 3, or by emailing Although our staff is working remotely due to the COVID-19 pandemic, we’re still available to provide the support you need in a timely manner!

Professionals in every trade have an association they rely on for industry expertise, support and resources. We're the Association for Payments People.

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Winston-Salem, NC 27107
United States

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