EPayResources Admin / Friday, February 27, 2026 / Categories: Products Minimum Underwriting Standards ACH Operations Minimum Underwriting Standards ACH Operations focuses on how ODFIs decide who is permitted to originate ACH entries and under what conditions. Underwriting is not a formality. It is the first operational control that shapes exposure, monitoring burden, and escalation risk throughout the life of an origination relationship. This course explains how board-approved policy translates into minimum underwriting standards, including how ODFIs categorize origination partners as desirable, restricted, or prohibited based on business model, financial condition, authorization practices, and risk profile. Learners examine why “case-by-case” approvals create pressure points and how clear standards support consistent, defensible decisions. Through applied scenarios, the unit walks learners through approval, conditional approval, and decline decisions, reinforcing how underwriting choices affect exposure limits, monitoring expectations, and long-term sustainability of the ACH program. The focus stays on practical judgment rather than checklists alone. Estimated learner time: 15•20 minutes, depending on pace and interaction with the scenario and knowledge check. This course is designed for ACH operations staff, risk and compliance professionals, treasury management teams, and others involved in evaluating, approving, or managing ACH origination relationships. This course is available exclusively to members of ePayResources. Item Number - LMSM2601 Previous Article Knowledge, Partners, and Products ACH Origination Next Article ODFI Direct Access Oversight & Approval Print 11 Member Price$0.00Nonmember Price$0.00Image Import URL/Portals/0/Images/Default-Placeholders/Products.jpgiMIS Detail URLhttps://myepay.epayresources.org/itemdetail?iProductCode=LMSM2601