ECCHO PRESENTS A CHECK CERTIFICATION PROGRAM NCPC EDITORIAL BOARD   BARBARA CLARK, Esq. Commercial Law Institute CHRIS COLEMAN BBVA Compass KEVIN CRANFORD BB&T MARY GILMEISTER WACHA SUE GOOLD The Clearing House FRED LAING UMACHA MIKE MCGUIRE iStream ORLANDO MESA Uni ...

Overview ECCHO (Electronic Check Clearing House Organization) is a not-for-profit, mutual benefit, national clearinghouse that is 100 percent owned by its member institutions.  Any depository financial institution, regardless of size, is eligible for membership in ECCHO.  For a summary of current ECCHO membership by deposit size click here. ECCHO was created in 1990 by banks as a cooperative venture to encourage the use of electronics to enhance the check collection system.& ...

Employment Opportunity Thank you for your interest. Although ECCHO has no job opportunities at this time, please keep checking back with us! ...

  Press Releases and News Archive   You can contact us by e-mail at info@eccho.org or by calling (214) 273-3200. April 4, 2011 ELECTRONIC CHECK CLEARING HOUSE ORGANIZATION (ECCHO) ANNOUNCES NATIONAL CHECK PAYMENTS CERTIFICATION PROGRAM NEW PROGRAM AND CERTIFICATION TEST AIM TO ENHANCE CRITICAL CHECK KNOWLEDGE ACROSS THE FINANCIAL INDUSTRY Austin, TX — April 4, 2011 — Today the Electronic Check Clearing House Organization ...

  Join ECCHO Announcements December 8, 2011 - Cummins-Allison Corporation becomes ECCHO's newest Sponsoring Organization. November 29, 2011 - Intuit Inc. joins as ECCHO's latest Sponsoring Organization. August 15, 2011 - Southeast Corporate Federal Credit Union becomes ECCHO's newest Sponsoring Organization. April 12, 2011 - TD Bank, N.A. becomes ECCHO's newest Participating Member. February 25, 2011 - Com ...

History Update - October 28, 2003 Check 21 was signed into law by President George W. Bush today at approximately 1:55 p.m. EST. Update - October 28, 2003 An Executive Signing Session for Check 21 will take place in the Oval Office today at 1:30 EST. David Walker with ECCHO will be in attendance. Update - October 25, 2003 An Executive Signing Session for Check 21 has been scheduled with the President for Tuesday after ...

Regulation CC Comment Letters Joint Industry Comment Letter ECCHO Comment Letter Link to Federal Reserve Board Regulation CC Comment Letters ...

Implementation Aids The effective date for the Check 21 Act is October 28, 2004. The objective of this site is to share information about the requirements of the Act and to provide information designed to enhance your institution's preparation to successfully implement Check 21. Implementation Aids is designed as a living resource that will be modified and enhanced as new and/or improved information is available. Please share with us any additional FAQs that are of interest to yo ...

Resource Document Introduction The Check Clearing for the 21st Century Act (Check 21 Act) facilitates significant change the way checks are processed in the United States. All banks will be affected by this law even if they do nothing to change their current check processing operations. All customers (consumers and businesses) are affected by the Check 21 Act in that they have the potential to receive a substitute check. To help educate customers, and to help train bank staff, ...

Final Versions Final Version H.R. 1474 Congressional Record Signing Ceremony Photo ...

Implementation Video Click here for the Check 21 Video Handout Click here to watch the Check 21 Video If you are interested in obtaining a copy of the Check 21 Video, please contact Elizabeth Westbrook at ewestbrook@eccho.org or call her at 214-273-3203 to receive your free copy. Limited number available. The Check 21 Act requires that every institution must implement certain changes to be in compliance with the new federal law. Check 21 Implementation Video is pr ...

Regulation Final Regulation CC Subpart D Final Regulation - Update to Check 21 Implementation Program Proposed Check 21 Regulation ...

Overview ECCHO began its active involvement in what subsequently became Check 21 early in 2000. Since then ECCHO has been involved in every major developmental activity as either the leader, the coordinator or as a major participant in each activity. Some of those involvements included: Early analysis of the concept of replacing a paper check with another paper check and identification of the major pros and cons Early participation in the modification a ...

Implementation Aids: Overview   Overview of Check 21 - Outline of key aspects (This was updated March 2004) You Think You Know Check 21? Nine page narrative describing various aspects of Check 21 Check 21 Presentation (3.9 mb) - Extensive PowerPoint presentation on Check 21. Please use any portion of this presentation to assist you with your educational activities. (PDF - 2.9 mb) (This was updated June 2004) FFIEC Payment Sys ...

Minimum Compliance Requirements Version 3 - Updated January 2005 Banks began receiving substitute checks on October 28, 2004, the effective date of the Check Clearing for the 21st Century Act (Check 21). Under Check 21, banks must accept substitute checks and cannot require that other banks present original checks to them. Some banks will want to take full advantage of the Act and begin producing substitute checks for certain applications. Other banks however may want to only imple ...

Implementation Aids: Standards   Processing and Quality Standards - Overview of the key standards and quality requirements for Check 21 Sample Substitute Checks (IRDs) Multiple samples of consumer and commercial checks displayed in both black and white and grey scale formats ANS X9.100-140-2004 was finalized on October 1, 2004 and is available to be purchased through www.x9.org. As the results of numerous requests for samples of Substitute Checks (IRDs), a compila ...

Implementation Aids: Other Implementation Considerations   Operational/Implementation Issues - Description of implementation considerations for those institutions that wish to take full advantage of Check 21 provisions and create substitute checks Sample Economic Framework - A sample economic framework for creating substitute checks under Check 21 Lessons Learned -The banking industry is getting more experience with Substitute Checks and the imp ...

Endorsements Endorsements Presentation showing how endorsements are transferred/applied to electronic images and IRDs Under Check 21 a reconverting bank shall ensure that the substitute check bears all endorsements applied by parties that previously handled the check (whether in electronic form or in the form of the original paper check or a substitute check) for forward collection or return. As paper checks are converted to electronics and back to paper IRDs, the endorsement c ...

Ways to Use Check 21 Version 2 - Updated March 2004 The passage of Check 21 opens up a variety of applications in which the banks can and will create substitute checks. Below are a few examples of those applications with the identified benefits. Remote Deposit Taking - Banks can image a check either through the teller equipment in the branch or at an ATM. That image can be transmitted to a bank's central processing unit, where a substitute check will be created and then sent ...

Frequently Asked Questions (FAQ) Below is a list of frequently asked questions based upon: Check Clearing for the 21st Century Act - Signed by President Bush on October 28, 2003 Regulation CC (12 CFR Part 229) - Issued by the Federal Reserve Board on July 26, 2004 Regulation J (12 CFR Part 210) - Issued by Federal Reserve Board on October 22, 2004 ANSI X9.100-140-2004 - Issued by Accredited Standard Committee X9, Inc. on October 1, 2004 This document is provided for in ...

Overview Check image exchanges include two key elements necessary to perform 1) the posting of check payments and 2) the normal compliment of day-two functions. These elements are the exchange of the MICR line on the check and the exchange of the check image. Most organizations find it difficult, if not impossible, to post from a picture (image) of the check and rely on the MICR line for posting and on the image for other functions like signature verification and statement preparat ...

Image Archive Forum 1998 The Check Information Age: Vision Executive Summary (Size: 1,135k) The Image Archive Forum Payment System Task Force developed this document to describe how banks can use technology to create additional financial value from traditional check based services while implementing new, image-based services that will improve customer service levels and therefore increase banks' ability to compete successfully with non-banks. IAF Payment Systems Task Force ...

click here to skip to ECP Resources Image Resources   White Paper: Additional Issues Regarding Possible Duplicate Payment of Check Items – Duplicates continue to be a challenge for the banking industry.  This paper addresses certain issues associated with duplicate presentment of check images. Return Decision Hierarchy; ECCHO is pleased to announce that an update has been approved to the ECCHO Rules that establishes the industry best practice for the routi ...

Frequently Asked Questions Coming Soon! ...

Dallas, Texas office (Headquarters) 3710 Rawlins Street, Suite 1075 Dallas, TX 75219 Telephone: 214-273-3200 | Toll-free: 877-273-7316 Facsimile: 214-273-3220     Helena, Montana office 25 Neill Avenue, Suite 211 Helena, MT 59601 Telephone:  406-442-4994 Facsimile:    406-442-4984 Atlanta, Georgia office 5456 Peach ...

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If you have previously registered for one of our events, you may use the ECCHO Connect form to the left to login with the username and password you provided during your previous registration. NEW REGISTRANTS click here!! (i.e. Those who have not previously registered for one of our events using this website.) ...

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Refund Policy: (After Return Is Received) If credit card is used for payment, a credit to that card will be processed in 3-5 business days. If paid by check, a check will be mailed and  you can expect to receive your refund check within three (3) weeks of request. You may receive refund sooner, but allow three (3) weeks due to processing and regular mail receipt time. - Please cite your invoice number when requesting a refund. - Refund requests go ...

ECCHO Rules Summary (pdf) Read this helpful overview and summary of ECCHO and the ECCHO rules. Return Hierarchy - Rule Change (doc) Graphic depicting decision hierarchy for determining appropriate routing for returned check images as provided in the ECCHO Rules. ECCHO Rules - Login Current Users - Please use the ECCHO Connect login form to the right to provide your Email Address and Password. New Users - If you do not have an ECCHO Connect account, you may click ...

Rules Summary Document Size & Number of Pages Description Rules Summary This document is 16 pages. Size 73 KB. This document is a summary of the Rules. Complete Rules ...

input { width: 200px; } The email address provided must be a legitimate email address for you to receive a password and login instructions from the system upon approval of Rules access. This system will block generic email accounts (i.e. Hotmail, Yahoo, AOL, etc. addresses). If you have an email address of this type, please contact Elizabeth Westbrook ewestbrook@eccho.org or 214-273-3203 for access. Fill out the form below to request rules access (required fields). ...

ECCHO Rules - Revision History DISCLAIMER: Summaries and revision notes for the ECCHO Rules are intended to assist Members in reviewing the ECCHO Rules.  These summaries and revision notes are not themselves binding Rules and do not alter or amend the Rules.  Please consult the ECCHO Rules and Commentary for the full text of the Rules and related Commentary. November 2009 •  Overview of Revisions: November 2009 Rules Changes •  Redline of Revisio ...

ECCHO Rules Summary (pdf) Read this helpful overview and summary of ECCHO and the ECCHO rules. Return Hierarchy - Rule Change (doc) Graphic depicting decision hierarchy for determining appropriate routing for returned check images as provided in the ECCHO Rules. ECCHO Rules - Login Current Users - Please use the ECCHO Connect login form to the right to provide your Email Address and Password. New Users - If you do not have an ECCHO Connect account, you may click ...

ECCHO Strategic Priorities Vision Statement ECCHO’s vision is best reflected by its priorities.  In 2009 the ECCHO Board of Directors reviewed and revised ECCHO’s primary priorities.  The following primary priorities were approved by the Board to guide the decisions and activities of the Organization: 1. To support the continuing efforts of the financial services industry to make the check paym ...

LEARN ABOUT THE LATEST TRENDS IN IMAGE EXCHANGE ECCHO-hosted training may be scheduled upon request      ♦ Flexible training options      ♦ Virtual “at-your-desk” sessions      ♦ In-person at your location may be scheduled      ♦ Wide range of training topics   For a listing of the most frequently r ...

       2012 Meetings Thursday and Friday, February 16-17, 2012 ECCHO Board of Directors Held in conjunction with •  The Clearing House Business    Committee Meeting    2/15/2012 Tampa, FL Innisbrook ...

Education Options Click here to view presentations and hear webinar recordings on key topics: ”Proposed Changes to Reg CC”, “What's a Rule 8... What's a Rule 9?”, and “Image Exchange and Duplicates”.   National Check Payments Certification 2012 NCPC Exam dates announced! April 21-May 12, 2012 Click here to register today! For more informat ...

Industry Recognition The following organizations either work with ECCHO or have worked with ECCHO in the past, to create a more efficient check image exchange process. Click name for link to web site. American Bankers Association BancTec BAI - Bank Administration Institute BITS - Financial Services Roundtable Carlisle & Gallagher Check Image Central Check Payments Systems Association Computer Services, Inc. CUNA Heartland Payment Systems IBM Independent Co ...

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Membership Overview Any depository financial institution ("DFI") as defined by the Federal Reserve Act is eligible for membership in ECCHO. The total combined deposits of all ECCHO members is approximately $5.7 trillion which is more than 61% of the total U.S. deposits. The need for ECCHO rule protections, offered exclusively to ECCHO members, is based on the fact that there is no law to govern the exchanges of check images. Without ECCHO’s rules, institutions e ...

How to Join Full Members A Full Member should execute the appropriate membership agreement and submit along with the appropriate membership fee of $200,000 to ECCHO.  These items must be received by ECCHO before the membership is active. For more information click here.   Participating Member To become a Participating Member the institution should execute the appropriate membership agreement and submit along with the appropriate membership fee of $50,000 to EC ...

  Rule 9 Following is the list of Financial Institutions (which includes both ECCHO Members and Licensed Entity participants) that have elected to Opt Out of the ECCHO Rule outlined in Section XIX regarding Forged & Counterfeit Check Warranties (commonly known in the industry as Rule 9) for image-based transactions. For more information regarding the parameters of this option, please see details below.   ...

EXAM INFORMATION   THE IDEAL CANDIDATE The ideal candidate to study for, take, and pass the exam should have a minimum of two years experience in the financial services industry and a desire to learn more about check payments as a whole. Relevant experience could include check or check image operations, treasury, product, card, fraud and/or risk.  2012 NCPC EXAM Registration Deadline           & ...

PROGRAM TESTIMONIALS   Below is a sampling of what industry professionals are saying about the NCPC Program. There is no doubt when I started the process of studying for the exam I was a little overwhelmed; however, through the process I gained so much knowledge not only over the check process itself but also the rules and regulations governing the process. That knowledge will undoubtedly help me in resolving any situation that may arise within our organization. Pam ...

EDITORIAL BOARD Current NCPC Editorial Board Members Probably need to add some language here about how the EB was formed, what they did, and they are NCPs.   CHRIS COLEMAN As Vice President of Float & Transportation for BBVA Compass, Chris also serves as the Image Exchange Liaison. In this role, he represents the bank in industry groups related to rules and bank processing changes for Electronic Che ...

NCPC EXAM BLUEPRINT   EXAM DEVELOPMENT The NCPC Exam was developed by a team of subjects matter experts drawn from the ECCHO membership with varied professional experience and expertise.  The Editorial Board worked under the guidance of the Human Resources Research Organization (HumRRO) to build a valid and fair certification process following professional and regulatory guidelines.    HumRRO is an independent, nonprofit corporation with expertise in al ...

EXAM TRAINING   EXAM PREP TRAINING SERIES Training will be offered by various NCPC Educational Partners to assist interested candidates in preparing to take the NCPC Exam.  Exam training information including pricing, planned training dates and available formats is expected to be announced in January 2012. The following recommended topics will generally be included to cover subject areas aligned to the learning objectives defined by the NCPC Exam Blueprint: ...

CONTINUING CERTIFICATION In a rapidly shifting check environment it is vital for National Check Professionals to stay abreast of current industry trends, changes and topics of interest. Every National Check Professional (NCP)  will be required to meet renewal requirements every three years. This can be achieved in the following ways:      1. By registering for, taking, and passing the exam again           2. B ...

NATIONAL CHECK PROFESSIONAL (NCP) DIRECTORY Congratulations to the first 2011 National Check Professionals! We thank you for paving the way for many more NCPs in the future.        Stephen Anderson      Katrina Andis      Mark Bannon      BB&T      First National Bank of Buffalo    &n ...

Thank you for participating in the 2012 NCPC Exam.   Cick here for the Question of the Day Summary Document           ...

Below you will find a listing of the available 2011 Pilot Exam Training Sessions and materials.   P.R.E.P. Payments Resource and Examination Preparation Guide - Click Here to download (PDF - 2.35 MB)   Question of the Day summary document   Training Session Summary  # Date Title/Recording Link* ...

ECCHO Website Usage Agreement and Privacy Policy This Website Usage Agreement And Privacy Policy (the "Policy") for the ECCHO Website describes the type of information ("Information") that ECCHO obtains from Users of the ECCHO Website. This Policy also sets forth certain restrictions on Users access to, and use and disclosure of, information obtained from the ECCHO Website. By accessing the ECCHO Website, you agree to the terms and conditions set forth in Sectio ...

Check out ; a one stop shop for industry information about check image clearing. PowerPoint version of the slides below for download:  Industry Volume Through September     ECCHO Member Statistics PowerPoint version of the slides below for download:  Industry Volume Through September   ...

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