Run Annual ACH Rules Compliance Audit — Free

Audit Scope and Program Setup

Audit period and ACH business lines in scope are documented critical (required)

Yes No N/A

ACH policies and procedures reviewed are the current approved versions critical (required)

Yes No N/A

Audit owner and remediation contact identified

Prior audit findings and open corrective actions were reviewed

Yes No N/A

Evidence package includes policy, procedures, reports, and exception logs

Yes No N/A

ACH Policy Governance and Training

ACH policy includes defined roles, responsibilities, and approval authority critical (required)

Yes No N/A

Policy addresses origination, receipt, returns, reversals, and exception handling critical (required)

Yes No N/A

Employee training on ACH responsibilities is current and documented

Yes No N/A

Training completion rate for assigned ACH staff

Policy review cycle and next review date are documented

Note (optional)

Return Item Handling and Exception Processing

Return items are reviewed and processed within required timeframes critical (required)

Yes No N/A

Return reason codes are accurate and supported by documentation critical (required)

Yes No N/A

Reversals and corrections are authorized and documented

Yes No N/A

Exception items are escalated according to procedure

Yes No N/A

Sampled return item error rate

Risk Management and Controls

Risk assessment for ACH origination and receipt is current critical (required)

Yes No N/A

Dual control or equivalent approval controls are in place for ACH file release critical (required)

Yes No N/A

Access to ACH systems is restricted to authorized personnel critical (required)

Yes No N/A

Monitoring for unusual activity, duplicate entries, or out-of-pattern transactions is documented

Yes No N/A

Fraud response or incident escalation procedure is documented and tested

Yes No N/A

Records, Reporting, and Sign-Off

Audit evidence is retained according to the record retention schedule critical (required)

Yes No N/A

Management review of audit results is documented

Yes No N/A

Corrective actions include owner and target completion date

Yes No N/A

Inspector signature critical (required)

Audit completion date critical (required)

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Run: Annual ACH Rules Compliance Audit

Audit Scope and Program Setup

ACH Policy Governance and Training

Return Item Handling and Exception Processing

Risk Management and Controls

Records, Reporting, and Sign-Off

Get your results