This convenient quick-reference tool helps ACH Originators quickly and easily understand their obligations under the ACH Rules. Filled with all the knowledge necessary for compliant ACH operations in a condensed format that is more easily referenced and digested by the Originator, each handbook in this series includes an overview of the ACH Network and its participants as well as file formatting and processing requirements. This edition focuses on returns, reversals, and reinitiations and includes return rate calculation formulas, reclamation guidance, and more.