QUICK GUIDE

Automated Clearing House (ACH) Rules for ACH Originators

To ensure compliance with current regulations, all ACH Originators must obtain a current copy of the National Automated Clear-
ing House Association (NACHA) Operating Rules (Rules) and Guidelines that is published annually. A copy of the Rules book may
be purchased at www.nacha.org.

This Quick Guide provides a brief summary of ACH facts and ACH Originator Responsibilities. It is not intended to be a replace-
ment or substitution for the NACHA Rules and Guidelines. NACHA Rules are subject to change.

ACH Facts

,

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ACH Legal Framework

You are required to abide by multiple rules and agreements including, but not limited to, the following when initiating ACH
transactions:


-"/1&,$
2)"0
444, %*/$


"$2)1&*,

#*/
*,02+"/
",1/&"0


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21%*/&71&*,0
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"1

,(
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$/""+",10

Your Responsibilities as an Originator

1&,
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21%*/&71&*,0
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2-*,
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"&1
21%*/&71&*,0


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6
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-&1)
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/".2"01
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#/*+
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to time as part of an annual audit.


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!1"



&3"
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1*
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before another entry is sent.


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-6""0
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*+-)&, "
%" ()&010


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/"02/6

,$"+",1
)&",10

"-1"+"/

QUICK GUIDE (continued)
Automated Clearing House (ACH) Rules for ACH Originators

Direct Deposit Payroll Authorizations (Consumer)

0"

!&/" 1
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21%*/&71&*,
#*/+
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make credit and debit entries in the event a payroll adjustment is necessary.


1&,

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Consumer Debit Authorizations

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Corporate Authorizations


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debits and credits.

Changing Date or Amounts of Debits


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- Seven (7) calendar days notice for a change of date (consumer and corporate).

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Prenotifications (Prenotes)

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entry by at least three (3) banking days.


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to check the account number.

Notice of Change


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Returns


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recommends that you view your account activity daily.

"-1"+"/

QUICK GUIDE (continued)
Automated Clearing House (ACH) Rules for ACH Originators

Returns (continued)


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Originator a total of three attempts at debiting an account.


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Reversals

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- wrong dollar amount
- wrong account number
- duplicate transaction


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account is closed.



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 *2,1
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reversing debit.

OFAC (Oce of Foreign Asset Control)

*2
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-6""0
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entities.

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1%"
 

)&01
1
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"-1"+"/

CHART OF ACH CODES
*/
.2"01&*,0
/"$/!&,$
1%"0"
%/10
*,1 1
,
,)&,"
"/3& "0
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1
electronicbanking@ccbg.com or

*,!6
1%/*2$%
/&!6
#/*+

+
1*

-+

Standard Entry Class (SEC) Codes Section 1

Code Application Title Application Description Consumer/ Business Debit/Credit
Accounts Receivable *,3"/1"!
%" (0
/" "&3"!
3&
1%"

+&)
*/
1

!/*-

ARC Consumer accounts only Single debit only
Check *5
)* 1&*,

Converted Checks received by merchant at the point-

BOC Back Oce Conversion of-purchase or manned bill payment locations, and Consumer accounts only Single debit only
processed during back oce operations.

Transfer of funds between business accounts or to

CCD Corporate Credit or Debit consolidate funds from several accounts of the same Business accounts only Debit or Credit
business

Credit entry imitated by an individual (usually through a

CIE Customer Initiated Entry Consumer or Business accounts Credit only
bill payment service) used to pay some sort of obligation.

6+",1
*/
*))" 1&*,
*#
*)&$1&*,0
"14"",
0"-/1"

CTX Corporate Trade Exchange Business accounts only Debit or Credit
businesses.

*1& "
&,&1&1"!
6
,
$", 6
*#
1%"
"!"/)
$*3"/,+",1

Credit only (Non dollar amount
DNE Death Notification Entry 1*
!3&0"
,
 
*#
1%"
!"1%
*#
,
&,!&3&!2)
&, )2!"0
Consumer accounts only
entry)
addenda record details)

Automated Enrollment ,1/6
02+&11"!
6
&,, &)
,01&121&*,
1*
",/*))
)&",1
&,
Credit only (Non dollar amount
ENR Consumer accounts only
Entry !&/" 1
!"-*0&1
*#
"!"/)
$*3"/,+",1
","91
-6+",1 entry)

International ACH /,0 1&*,
&,3*)3&,$

9,, &)
$", 60
*= "
1%1
&0
,*1

IAT Consumer or Business accounts Debit or Credit
Transaction )* 1"!
&,
1%"
1"//&1*/&)
'2/&0!& 1&*,
*#
1%"
,&1"!
11"0

Converted checks received by merchant at the point-

POP Point-of-Purchase Entry Consumer accounts only Single debit only
of-sale

,1/6
&,&1&1"!
6
&,!&3&!2)
1

+"/ %,1
)* 1&*,
20&,$

POS Point-of-Sale Entry Consumer accounts only Single debit only
a merchant-issued card for payment of goods or services

Recurring entry for direct deposit of payroll, pension,

Prearranged Payment and
PPD etc., or for direct payment of recurring bills such as Consumer accounts only Debit or Credit
Deposit Entry
utilities, loans, insurance, etc.

"/ %,1
*))" 1&*,
*#
%" (0
1%1
%!
"",
/"12/,"!
0

RCK Represented Check Entry Consumer accounts only Single debit only

*/
, *))" 1"!
2,!0

Telephone Authorized Single or recurring entry submitted pursuant to an oral

TEL Consumer accounts only Debit only
Entry 21%*/&71&*,
*1&,"!
0*)")6
3&
1%"
1")"-%*,"

,1/6
02+&11"!
-2/02,1
1*
,
21%*/&71&*,
*1&,"!

WEB Internet Authorized Entry Consumer accounts only Debit only
solely via the Internet or a wireless network

Replacement entry for check that is lost or destroyed,

XCK Destroyed Check Entry or for check image that is unreadable or cannot be Consumer or Business accounts Single debit only
processed

Please check with your Treasury Management Representative regarding the origination of certain SEC codes listed above.

"-1"+"/

CHART OF ACH CODES (continued)
Notification of Change
Transaction Codes Section 2
(NOC) Codes Section 3
Normal Forward
Transaction Codes Return/NOC Prenote Change code Field(s) Needing Correction
Entry
Checking Account Credit 21 22 23 C01 Account Number

Checking Account Debit 26 27 28 C02 Routing/Transit Number

Savings Account Credit 31 32 33 C03 Account Number and Routing/Transit Number

Savings Account Debit 36 37 38 C05 Transaction Code

FI General Ledger Credit 41 42 43 C06 Account Number and Transaction Code

FI General Ledger Debit 46 47 48

Account Number AND Routing/Transit Number AND
C07
Transaction Code
Loan Account Credit 51 52 53

Return Entry Codes Section 4

Available SEC
Return Code Reason/Description Return Deadline
Codes
,02= &",1
2,!0

3&))"
), "
&0
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02= &",1
1*
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!*))/
+*2,1
*#

R01 ALL 24 HOURS
the debit entry

R02  *2,1
)*0"!


-/"3&*20)6
*-",
 *2,1
&0
,*4
)*0"! ALL 24 HOURS

*
 *2,1,)"
1*
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%"
 *2,1
,2+"/
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1*
1%"

R03 ALL 24 HOURS
&,!&3&!2)
&!",1&9"!
&,
1%"
",1/6
*/

3)&!
 *2,1

,3)&!
 *2,1
2+"/

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 *2,1
,2+"/
#&)0
1%"
%" (
!&$&1
3)&!1&*,
*/

R04 ALL 24 HOURS
may contain an incorrect number of digits

,21%*/&7"!
"&1
1*
*,02+"/
 *2,1
20&,$
*/-*/1"

*!"


20&,"00

60 Days Written Statement of Unauthorized ACH
R05 (corporate) debit entry was transmitted to a clients consumer account and the client CCD, CTX
Debit
%!
,*1
21%*/&7"!
1%"
",1/6

"12/,"!
-"/
 0
".2"01

%"
 
%0
/".2"01"!
1%1
1%"
 
/"12/,
1%"

R06 ALL Not Applicable
entry

21%*/&71&*,
"3*("!

)&",1
4%*
-/"3&*20)6
21%*/&7"!
,
",1/6
%0
/"3*("!

R07 PPD. TEL, WEB 60 Days Written Statement of Unauthorized Debit
21%*/&71&*,
4&1%
1%"
/&$&,1*/

6+",1
1*--"!

)&",1
%!
-/"3&*20)6
/".2"01"!
0
01*-
-6+",1
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0&,$)"
*/

R08 ALL 24 HOURS
recurring entry

, *))" 1"!
2,!0

3&))"
), "
&0
02= &",1
21
*))" 1"!
), "
&0
,*1

R09 ALL 24 HOURS
sucient to cover the entry

)&",1
!3&0"0
,*1
21%*/&7"!
,*1& "
,*1
-/*3&!"!
&+-/*-"/
0*2/ "
!* 2+",1
*/
ARC, BOC, POP,

R10 60 Days Written Statement of Unauthorized Debit
amount of entry not accurately obtained from source document PPD, TEL, WEB

"-/"0",11&3"
6""
" "0"!

"-/"0",11&3"
-6""
&0
!" "0"!
*/
2,)"
1*
ALL EXCEPT

R14 24 HOURS
*,1&,2"
&,
1%1
- &16
","9 &/6
&0
,*1
!" "0"! CCD & CTX
ALL EXCEPT
R15 ","9 &/6
*/
 *2,1
*)!"/
" "0"! 24 HOURS
CCD & CTX
 *2,1
/*7",

 "00
1*
 *2,1
&0
/"01/& 1"!
!2"
1*
0-" &9
 1&*,
1(",
6
1%"

R16 ALL 24 HOURS
 
*/
6
)"$)
 1&*,

*,/,0 1&*,
 *2,1

*)& &"0
*/
/"$2)1&*,0
02 %
0
"$2)1&*,

-/*%&&1
*/

R20 ALL 24 HOURS
limit activity to the account indicated

*/-*/1"
,1/6
,21%*/&7"!

 
%0
"",
,*1&9"!
6
20&,"00
 *2,1
%*)!"/

R29 CCD & CTX 24 HOURS
1%1

0-" &9
1/,0 1&*,
&0
2,21%*/&7"!

"/+&00&)"
"12/,
,1/6

 
$/""0
1*
 "-1

/"12/,
*#
,
2,21%*/&7"!

R31 CCD & CTX 24 HOURS
*/-*/1"
",1/6
<"/
1%"

%*2/
!"!)&,"

*2/ "
* 2+",1
/"0",1"!
#*/
6+",1

%" (
20"!
#*/
,


*/


R37 ARC, BOC, POP 60 Days Written Statement of Unauthorized Debit
entry has also been presented for payment

1*-
6+",1
*,
*2/ "
* 2+",1



1*-
6+",1
%0
"",
-) "!
*,

%" (

R38 ARC, BOC 60 DAYS
used for an ARC entry
+-/*-"/
*2/ "
* 2+",1
/"0",1"!
#*/
6+",1

 
!"1"/+&,"0
1%1
1%"

R39 0*2/ "
!* 2+",1
%" (
20"!
#*/
,


*/

",1/6
&0
,*1
")&$&)"
#*/
ARC, BOC, POP 24 HOURS
*,3"/0&*,

*/
1%"
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