ICBA - Products & Services - Payments Resource Center

		ICBA Home

About ICBA Executive Committee Annual Reports State Associations Staff ICBA Careers About Community Banking Benefits of Community Banking Community Banking Facts Advocacy Be Heard Grassroots Resources Policy Resolutions Industry Issues Letters to Congress Letters to Regulators Testimony ICBPAC Advocacy/Public Policy Ads PR Campaigns Contact Congress Consumer Education & Resources Community Bank Locator Education Auditing Bank Director Program Certification Compliance Director Lending Management Online Education Center Payments/Technology Security Teller Convention Industry Resources Marketing Resources Membership Bank Membership De Novo Membership Vendor Opportunities Press Room Social Media Main Street Market® ICBA Compliance & Risk Management ICBA Preferred Service Providers Vendor Solutions Directory Committee Resource Center Publications ICBA Independent Banker ICBA NewsWatch Today ICBA Member Access

= Access Restricted
Last update: 05/24/13

Payments Resource Center

Account-to-Account Transfers
Automated Clearing House (ACH) Network
ATMs and Debit Cards
Back Office Check Conversion
Bill Payment and Presentment
California Registered Warrants
Cards and Card Networks
Checks
Coin and Currency
Consumer Information
Contactless Payments
Credit Cards
Debit Cards
Demand Drafts (Remotely-Created Checks)
Direct Deposit
Direct Payment
Electronic Checks
Federal Payments
Federal Reserve Financial Services
Fraud (Payments)
Gift Cards
Glossaries
Mobile Payments
Payments Income Calculator (ICBA)
Payments Research and White Papers
Payroll Cards
Prepaid Cards
Regional Payments Associations
Regulation E: Electronic Fund Transfers
Regulation J: Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers through Fedwire
Regulation CC: Availability of Funds and Collection of Checks
Remote Deposit
Remotely-Created Drafts
Risk Management
Savings Bonds
US Postal Money Orders
Wire Payments

Account-to-Account Transfers

Account-to-Account Services: Emerging Product Overview

Automated Clearing House (ACH) Network

A Looming New Risk for Financial Institutions: International ACH November 2007
ACH Operations
International ACH Transactions (IAT) Resource Center
Telephone-Initiated Transactions
ACH Operators
Electronic Payments Network
Federal Reserve Financial Services
ACH Risk Management
Preventative Measures March 2007
OCC Bulletin (2006-39) Automated Clearing House Activities: Risk Management Guidance
Corporate Originators: Risks Usng the Automated Clearing House for Large-Value Payments
Financial Institutions: Risks Using the Automated Clearing House for Large-Value Payments
ACH Rules
ACH Rules News
International ACH Transactions (IAT)
General Rules and Format Questions
Regional Payments Associations
NACHA

ATMs and Debit Cards

Here to Stay December 2007
What's in Your Customer's Wallet? October 2007
Shifting Perspectives September 2007
Here to Stay June 2006
A Guide to the ATM and Debit Card Industry (2006)

Back Office Check Conversion

Back Office Check Conversion
Back Office Conversion Checklist

Bill Payment and Presentment

The Next Payments E-volution June 2007
The Complete Electronic Presentment and Payment Resource

California Registered Warrants

SEC Staff Statement on California IOUs   July 9, 2009
Interagency Guidance on California Registered Warrants    July 8, 2009
Federal Reserve Financial Services: Information Regarding Collection of State of California Registered Warrants    July 2, 2009
Federal Reserve Advises Bank Customers on California's Registered Warrants    July 2, 2009
California Registered Warrants Frequently Asked Questions July 2009
Sample Registered Warrant
California State Treasurer

Cards and Card Networks

New Credit Card Disclosure Rules    December 2007
Catch and Reward    November 2007
The Value of the Interchange System    October 2007
Stored-Value Cards: A Card for Every Reason...    June 2007
Worth Defending April 2006
Network Competition and Merchant Discount Fees
The Interchange Fee Debate: Issues and Economics
Federal Reserve Bank of Philadelphia Payments Card Center

Checks

Check 21
ICBA Summary of FFIEC Guidance "Risk Management of Remote Deposit Capture" January 2009
Role of Private Sector Rules and Federal Reserve System Rules February 2008
Fed Spurs Image Adoption October 2007
Reducing Transportation Worries with Check 21
Milestones Continue Three Years After Check 21 Act
Take Steps Today to Move to Check 21: Implementation Overview
CheckImage Central
Federal Reserve Financial Services Destination Check 21 Online Resource Center
Report to the Congress on Check 21 Act of 2003 April 2007
Frequently Asked Questions About Check 21: Federal Reserve | FDIC | ECCHO.ORG
Case Studies: FedFocus March 2007
Preventing and Detecting Image Replacement Documents
ACH Check Conversion
Front and Center December 2007
Examining ACH Risk to Be Better Prepared
General Information
Check ACH Coalition: Final Summary Report Feb. 2007
BITS ACH Check Conversion Risk Management Toolkit
Check Fraud Prevention
Abagnale and Associates
Tips
Check Imaging and Electronic Check Presentment (ECP)
Operation Electronification November 2007
The Check Roadmap October 2007
Overview
Exchange Option  May 2007
The Big Payback  February 2007
Leveling the Playing Field  January 2007
Check Security
Fraudulent Cashier's Checks
ICBA "Don't Be Victimized by Fraudulent Cashier's Checks" Toolkit
Banker Tips to Address counterfeit Cashier's Checks
Associations
Check Payment Systems Association
Electronic Check Clearing House Organization

Coin and Currency

The United States Mint
Presidential $1 Coin Program
Damaged Currency and Coin
Handling Counterfeit Currency

Consumer Information

Five Tips for Protecting Your Checking Account
Federal Reserve Bank of Kansas City Consumer Protection Web Site
OCC: Writing a Check: Understanding Your Rights
FTC Facts for Consumers: Giving the Bounce to Counterfeit Check Scams
The Federal Reserve Board: When Your Check Is Not A Check
The Federal Reserve Board: Consumer Guide to Check 21 and Substitute Checks
The Federal Reserve Board: What You Should Know About Your Checks
The Federal Reserve Board: Protecting Yourself Against Overdrafts and Bounced Check Fees
Privacy Rights Clearinghouse: Paying by Credit Card or Check: What Can Merchants Ask?
Federal Trade Commission
U.S. Financial Literacy and Education Commission
CA 2007-1 OCC Consumer Advisory: Avoiding Cashier's Check Fraud

Contactless Payments

Zip Zap Blink February 2006
Contactless: The Next Payment Wave?

Credit Cards

ICBA Summary of Final Credit Card and Overdrfat Protection Rules February 2009
ICBA Summary of Credit Card Rules December 2008
Credit Card Interchange Fees: Issues and Answers September 2007
Truth In Lending (Regulation Z)
ICBA Bancard
MasterCard
Visa
All in the Pitch July 2006
Pay for Play May 2006

Debit Cards

An Update on Trends in the Debit Card Market June 2007
Winning Incentives March 2007
ICBA Bancard
Card Glossary
MasterCard
Visa
Consumers Use of Debit Cards: Patterns. Preferences and Price Response

Direct Deposit

Social Security Online Services
electronicpayments.org
Go Direct
Treasury Report: Direct Deposit Safer Than Checks February 2007
Direct Deposit Ramp Up February 2006

Direct Payment

electronicpayments.org
Federal Reserve Financial Services: A Consumer's Guide to Direct Payment

Electronic Checks

Electronic Check Council
eCheck.org

Federal Payments

Green Book: Guide To Federal ACH Payments and Collections
31 CFR Part 210, Federal Government Participation in the Automated Clearing House

Federal Reserve Financial Services

Federal Reserve Financial Services
Tracing the Evolution of FRFS
Introducing the Future of Unattended Electronic Access
Institutions Benefit from New FedACH Risk Service
Fedline Customer Access Service

Fraud (Payments)

"Don't be Victimized by Fraudulent Cashier's Checks" Toolkit
Identity Crisis December 2007
Access Granted October 2007
ICBA –Visa Travelers Cheques program
US Postal Inspection Service, Postal Money Order Security
Visa USA
OCC Anti-Fraud Resources
FTC Facts for Consumers: Giving the Bounce to Counterfeit Check Scams
OCC Bulletin 2007 — Guidance to National Banks Concerning Schemes Involving Fraudulent Cashier's Checks>
Pulling Strings January 2007
FCC Consumer Alert: Doing Business Using IP Relay
Avoid Costly Scams Involving Fake Checks and Money Orders — FDIC Consumer News Winter 2006/2007 Special Edition
Consumer Fraud in the United States: The Second FTC Survey

To report scams, contact:
Scams, generally—Federal Trade Commission (FTC):by telephone at 1-877-FTC-HELP or file an electronic complaint via their Internet site at www.ftc.gov.
Internet-based scams—Federal Bureau of Investigation (FBI) Internet Fraud Complaint Center: www.ic3.gov.
Mail-based scams—U.S. Postal Inspector Service: by telephone at 1-888-877-7644, by mail at U.S. Postal Inspection Service, Office of Inspector General, Operations Support Group, 222 S. Riverside Plaza, Suite 1250, Chicago, IL60606-6100 or via e-mail at http://www.usps.com/postalinspectors/fraud/MailFraudComplaint.htm.

Gift Cards

OCC Guidance on Gift Card Disclosures
FTC Consumer Alert: Buying, Giving and Using Gift Cards
OTS Guidance on Giftcards
Gift Cards: Facts and Cautions Regarding a Widely Used Financial Product

Glossaries

BITS Outsourcing Glossary
Electronic Check Glossary
Credit Card Processing Glossary
Check Clearing for the 21st Century Act Glossary
ECHO Check 21 Glossary
Federal Reserve Bank of New York Payments Glossary
Understanding Fraud Glossary

Mobile Payments

Dial-A-Bank September 2007
Payments and Mobile Device Merge to Offer Speed, Ease and a Big “Wow” Summer 2007
Calling Plan August 2006
Mobile Phone: The New Way to Pay?
Mobile Financial Services and the Underbanked: Opportunities and Challenges for MBanking and Mpayments
Are Mobile Payments the Smart Cards of the Aughts?

Payments Income Calculator (ICBA)

Narrative
Calculator

Payments Research and White Papers

A Backward Glance While Looking Forward — April 2009
International Remittances — December 2008
Evolution of the Check as a Means of Payment: A Historical Survey — December 2008
Risk of Identity Theft: Can the Market Protect the Payment System
A Dynamic Model of the Payments System — October 2007
Competitive Forces Shaping the Payments Environment: What’s Next
2007 ICBA Community Bank Payments Survey
2006 ICBA Community Bank Payments Survey
Paper, Plastic.....or Phone?
Who's Processing Your Payments?
Federal Reserve Bank of Boston Emerging Payments Research Group
Federal Reserve Bank of Kansas City Payments Research Department
The Federal Reserve Board Payments Research
TransactionDirectory.com
The U.S. Retail Payments System in Transition: Federal Reserve Initiatives
The Challenges and IT Priorities of Community Banks Operating in the Business Banking Space — Aite Group Report — Feb. 2007
Speed Paying and Banking —FDIC Consumer News — Spring 2007
Consumer Payments Study
The Choice at the Checkout: Quantifying Demand Across Payment Instruments

Payroll Cards

Processing Payments September 2006
Regulation E Final Rule on Payroll Cards

Prepaid Cards

Payment Instrument Choice: The Case of Prepaid Cards

Regional Payments Associations

Alabama ACH Association
EastPay, Inc.
Electronic Payments Network
GACHA
Mid-America Payment Exchange
MACHA - The Mid-Atlantic Payments Association
Northwest Clearing House Association
Payments Central
Payments Resource One
SHAZAM, Inc.
South Carolina ACH Association
Southern Financial Exchange
SWACHA - The Electronic Payments Resource
Tennessee ACH Association
The New England Automated Clearing House
The Payments Authority, Inc.
Upper Midwest ACH Association
WACHA - The Premier Payments Resource
Western Payments Alliance

Regulation E: Electronic Fund Transfers

Regulation E
Code of Federal Regulations: Part 205
Compliance Guide for Small Entities

Regulation J: Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers through Fedwire

Regulation J
Code of Federal Regulations: Part 210
Compliance Guide for Small Entities

Regulation CC: Availability of Funds and Collection of Checks

Regulation CC
Code of Federal Regulations: Part 229
Compliance Guide for Small Entities
Compliance with Regulation CC: A Guide for Financial Institutions

Remote Deposit

Scanning the Future September 2007
Jumping into the Fray June 2007
BITS Remote Deposit Image Capture: The Processes, Risks and Strategies Used to Mitigate Them
Remote Deposit Capture.com

Risk Management

Understanding Risk Management in Emerging Retail Payments
Risk Management and Nonbank Participation in the U. S. Retail Payments System
Third Party Arrangements: Elevating Risk Awareness
Third Party Payments System Access Control

Savings Bonds

Bondpro.gov
Treasury Direct
Savings Bonds — An Easy Addition to Your Financial Services Portfolio

US Postal Money Orders

Money Order Security Features
US Postal Inspection Service


	Printable version