FedACH® Services Offerings

The FedACH Services product suite provides financial institutions with efficient, low-cost batched payment services that enable an electronic exchange of debit and credit transactions through the Automated Clearing House (ACH) network. The suite includes a wide range of easy-to-use services that conveniently and seamlessly integrate with all Federal Reserve Financial Services and offer a variety of access and connectivity options. Learn about the benefits by viewing the FedACH Services Product Sheet (PDF) and Fact Sheet (PDF).

FedACH Origination and Receipt

The core services for clearing ACH payments provide scheduled and on-demand file delivery, 14 different sort options and the flexibility to prioritize and route specified files to your institution or processor.

FedACH Risk® Management Services

A suite of risk management services provide depository financial institutions with tools to help mitigate ACH risk.

FedACH Risk Origination Monitoring Service

Offers originating depository financial institutions (ODFIs) enhanced control, flexibility and automated ease in monitoring ACH risk, regardless of the network entry point or your ACH software.

FedACH Risk RDFI File Alert Service

Provides notice of unusual conditions within a Receiving Depository Financial Institution’s (RDFI’s) incoming FedACH files. Helps alert the RDFI to potential fraud attempts and/or significant origination errors.

FedACH Risk Returns Reporting Service

Enables ODFIs to produce reports of returns by originator for a single day or up to 10-day processing days within the previous 60 business days.

FedACH International® Services

A suite of cross-border remittance processing services provide U.S. depository financial institutions with an easily accessible and cost-effective way to electronically send international transactions via the same process used to send domestic ACH transactions.

FedACH International Canada Service

Enables institutions to send ACH credits and debits to Canada with the option of settling the payment in Canadian or U.S. dollars.

FedACH International Mexico Service

Enables institutions to send ACH credit transactions to Mexico and convert U.S. dollars to pesos.

FedACH International Transatlantic Service

Enables institutions to send ACH credit transactions to Austria, Germany, the Netherlands*, Switzerland and the United Kingdom in a variable amount of local currency using foreign exchange conversion.

FedEDI® Plus

Available now via FedLine Web or FedLine Advantage. FedEDI Plus enables financial institutions to automatically search ACH files for financial EDI messages, translate this payment and remittance information into human-readable reports, then distribute this information to your business customers to match ACH payments to documentation, such as invoices or payroll records.

FedACH Information File Service

Provides the subscribing financial institution with an information-only copy of the FedACH file delivered to the financial institution's processor. This file can be used to automatically create return item and NOC transactions.

FedInsightsSM (PDF)

FedInsights helps supply financial institutions with the insight they need to maintain effective and efficient control over their payments, all through the convenience of their FedLine electronic access solution.

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* As of January 1, 2008, service to the Netherlands is temporarily suspended. Additional details will be provided as they become available.