Education & Events

ACH Specialist Series: ACH Stop Payments vs. Unauthorized Extended Returns: Know the Difference

May 30, 2019
Program Overview: 

May 30, 2019, 3:00 - 4:30 pm

ACH payments are usually automated.  Therefore, when manual intervention is needed, it often leads to confusion!  ACH items can be returned as Stop Payment or Unauthorized.  However, determining the correct Return Reason Code and whether the accountholder must complete a Written Statement of Unauthorized Debit or ACH Stop Payment form can be a challenge.  This webinar will explore Stop Payment and Unauthorized Return Reason Codes and provide an easy formula to determine which code and form are correct. 

  • What the ACH Rules and Regulation E say about stop payments and unauthorized debits
  • Determining when to return an ACH item as R08 – Stop Payment or as R10 – Unauthorized Debit
  • Differences in handling consumer and corporate accountholder stop payments and disputes
  • Review recommended stop payment form and requirements of a Written Statement of Unauthorized Debit form
  • Dispute scenarios – determining the correct course of action
  • What to do when neither an unauthorized or stop payment return is accepted through the ACH Network, especially when it is outside of ACH timeframes


    • Employee training log
    • Quiz to measure staff learning and a separate answer key



      Jen Kirk is the VP of Industry Relations, for EPCOR.  She has been with EPCOR since 2002, and has presented at several national conferences on subjects such as ACH risk, ACH enforcement, ACH relationships, government ACH payments, and preparing for the Accredited ACH Professional (AAP) exam. Jen has served as a member of the National ACH Association (NACHA) Rules and Operations Committee, Member Rules Review Panel, Electronic Check Council, and was co-chair of the National ACH Forum Education Committee.  Jen obtained her AAP in 2003, and received an MBA from Ohio University in 2008.



      This informative session would best suit ACH professionals, frontline staff, audit/compliance staff, ACH operations personnel, and AAP candidates.



      Live Webinar
          $255.00 Single Location
          $155.00 Each Additional Location

      Recorded Webinar & Free Digital Download

      Premiere Package (Live & Recorded Webinar with Free Digital Download)

      Association Contact: 

      If you have any questions or need additional information, please contact Marcy Borden at 317-387-9380 or

      Cancellation Policy: 

      Within three or more business days prior to the day of an educational program, no cancellation charge will be assessed. If your bank is unable to participate after registering, you can select to purchase the on-demand presentation.

      Webinar Options: 

      1.  Live Webinar
      The LIVE WEBINAR option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number & pass code that will allow entrance to the seminar. Seminar materials, including instructions, pin number, and handouts will be emailed to you prior to the broadcast.  You will need the most current version of Adobe Reader available free at

      2.  Recorded Webinar & Free Digital Download
      Can’t attend the live webinar?  The recorded webinar & Free Digital web link is a recording of the live event, including audio, visuals, & handouts. We even provide the presenter’s email address so you may ask follow-up questions.  Approximately one week prior to the webinar, you will receive an email with the web link.  This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.  

      LIMITED AVAILABILITY:  The Recorded Webinar & Free Digital Download web link may ONLY be ordered for 6 months following the webinar.

      3.  Both Live Webinar & Recorded Webinar & Free Digital Download
      Includes options 1 and 2 above

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