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Commercial Analysis Accounts are provided by Financial Institutions to high-volume business customers to receive an earnings credit by maintaining the necessary balances to offset the monthly account activity and service fees.

In this session, we analyze the commercial account statement and learn what each component tells us about the fees applied to the account, as well as the importance of a compensating balance and the earnings credit rate.

Join us to learn what all those line items on your commercial account statement mean! Attendee will receive a sample pro forma template and sample account analysis calculations.

This On Demand course may be selected as an elective for the ePayResources ACH Certification Program.

Please note that on-demand courses remain available for 90 calendar days after your registration is processed. Unlimited viewing is allowed within the 90-day period. Once the 90 days have passed, ePayU subscribers accessing Subscriber Content can simply re-register for the course at no charge and begin it again. If you are accessing Premium Content or are not an ePayU subscriber, you must pay an additional registration fee to access a course again after the original 90-day period.

AAP: Up to 1.4

NCP: Up to 0.5

Item Number - LMSR8019

Comparative Payments Systems provides concise, entry-level information about electronic payments systems, channels: ACH Network, Check Processing, Wire Transfer Payments, Card Payments, and Real-Time Payments. The interactive learning module provides the principle participants within each payment system and the functions of each. The laws, regulations, and rules that govern each payment channel are specified. The module draws comparisons between the payment systems to provide examples of the complexities and the benefits of each form of payment. Quizzes and study tips supplement the learning process. The course provides a simple and clear understanding of the foundations for each payment channel.

This On Demand course is one of the required courses for the ePayResources ACH Certification Program.

This On Demand learning module can benefit those studying for the Accredited ACH Professional (AAP) test, specifically within the General Payments Overview / Comparative Payments Systems AAP exam blueprint category.

Please note that on-demand courses remain available for 90 calendar days after your registration is processed. Unlimited viewing is allowed within the 90-day period. Once the 90 days have passed, ePayU subscribers accessing Subscriber Content can simply re-register for the course at no charge and begin it again. If you are accessing Premium Content or are not an ePayU subscriber, you must pay an additional registration fee to access a course again after the original 90-day period.

AAP/APRP Credits: Up to 3.0

Item Number - LMSM7002

Taking an ACH stop payment request properly ensures compliance. This session walks you through the completion of ePayResources' Stop Payment Request Form. You also learn what the Nacha Operating Rules require for the documentation and processing of stop payment requests.

Please note that on-demand courses remain available for 90 calendar days after your registration is processed. Unlimited viewing is allowed within the 90-day period. Once the 90 days have passed, ePayU subscribers accessing Subscriber Content can simply re-register for the course at no charge and begin it again. If you are accessing Premium Content or are not an ePayU subscriber, you must pay an additional registration fee to access a course again after the original 90-day period.

AAP/APRP Credits: Up to 1.2

Item Number - LMSR1003

What is a Written Statement of Unauthorized Debit (WSUD), and when do you need one? What does a WSUD do for a Financial Institution? This session explains when a WSUD must be completed, review the requirements of a WSUD, and walk you through completing ePayResources' WSUD form.

Please note that on-demand courses remain available for 90 calendar days after your registration is processed. Unlimited viewing is allowed within the 90-day period. Once the 90 days have passed, ePayU subscribers accessing Subscriber Content can simply re-register for the course at no charge and begin it again. If you are accessing Premium Content or are not an ePayU subscriber, you must pay an additional registration fee to access a course again after the original 90-day period.

AAP/APRP Credits: Up to 1.2

Item Number - LMSR1004

Add your institution's logo to our comprehensive and convenient Stop Payment Request Form, which provides concise explanations on stop payment requests for single or recurring entries to consumer accounts; stop payment requests on paper items; and stop payment requests for entries to non-consumer accounts.

ePay's fillable PDF Stop Pay form can be completed online or emailed to the accountholder for them to fill out and send back to you. Includes a detailed companion document to facilitate your compliant handling of stop payment requests.

An ePayResources Team Member will reach out for your logo within 24 hours of ordering.

Date Published: Q1 2025
Update Cycle: Annual
Format: Digital Document
Audience: Operations, Frontline Staff
Delivery Method: Email
Item Number: 425C