Learn About Our Services FedACH® Services: FedACH RiskSM Origination Monitoring Services
Risk Origination Monitoring Maintenance Criteria Summary Report Release/Reject Pended Batches Historical Reporting

The FedACH Risk^SM Origination Monitoring Service helps Originating Depository Financial Institutions (ODFIs) mitigate ACH origination risk for forward item batches. The service addresses operational, credit, and third-party risk associated with ACH payments, regardless of the location or number of sending points. The service allows ODFIs to set cumulative credit and/or debit processing limits (caps) for certain forward ACH batches processed by FedACH.

A participating ODFI has the option of identifying batches by routing transit number (RTN) or by the combination of RTN and associated Company Identification (ID).

The FedACH Risk Origination Monitoring Service includes several service versions to meet your needs:

• Routing Transit Number Only: In this version, batches in which the designated RTN occurs in the ODFI identification field of the batch header record are accumulated and compared to the debit and/or credit cap(s) that applies to that RTN.
  
  
• Company ID Select: Use this version to establish credit and/or debit caps for defined Company IDs processed with your RTN. Batches that exceed cap settings will pend in this option. This version monitors only batches from Company IDs defined by the ODFI for monitoring. Undefined batches are released for processing without summation or comparison to a debit and/or credit cap.
  
  
• Company ID Inclusive: Use this version to establish credit and/or debit caps for all Company IDs processed with your RTN. Batches that exceed cap setting and those with undefined Company IDs will pend with this version.

Through the service pended batches can be released or rejected. Reports are also available to view current and next-day management criteria, history of changes, and event history of released or rejected pended batches.