HOME | THE CLEARING HOUSEUID LOOKUPABOUT USRTPINNOVATIONCONNECTED

BANKINGADVOCACY

Providing for the Wellness of Our Employees and Ensuring the Smooth and Safe Functioning of Our Systems. TCH’s payments systems continue to run without interruption and we remain continually focused on taking all necessary steps to safeguard the systems we operate throughout this period. Learn more. Explore the Bill Pay Innovation

Journey in

UID LOOKUP | THE CLEARING HOUSECHIPSUID LOOKUP If you require assistance with the UID lookup, please call 800-875-2242, option 1, between the hours of 7AM to 7PM ET.

REAL TIME PAYMENTS

Real-Time Payments for All Financial Institutions. The RTP® network from The Clearing House is a real-time payments platform that all federally insured U.S. depository institutions are eligible to use for payments innovation. With mobile technology and digital commerce driving the need for safer and faster payments in the U.S., financial 051821_ADDRESSING_UNBANKED_UNDERBANKED NEW YORK – A new report, Delivering Financial Products and Services to the Unbanked and Underbanked in the United States – Challenges and Opportunities, from six trade groups outlines the obstacles and viable solutions for improving financial inclusion, providing access to bank accounts to the unbanked population in the United States, which currently represents approximately 6% of U.S

REAL TIME PAYMENTS

Document Library. Find all of the RTP ® network's security requirements, risk management specifications, fraud control requirements, compliance criteria, and more in the Document Library.. Documentation. Business Principles for the RTP ® Network; RTP ® Message Specifications 2.9; Introduction to the RTP ® System; RTP ® Prefunded Settlement Model and Reconciliation for Funding Participants CHIPS | THE CLEARING HOUSE CHIPS is the largest private sector USD clearing system in the world, clearing and settling $1.8 trillion in domestic and international payments per day. CHIPS provides fast and final payments and the most efficient liquidity savings mechanism available today. Its patented algorithm matches and nets payments resulting in an extremely

efficient

RTP PARTICIPATING FINANCIAL INSTITUTIONS Network Participating Financial Institutions. 4Front Credit Union. American Bank & Trust Company Inc. Anderson Brothers Bank. Associated Credit Union of Texas. Avidia Bank. Bank Independent. Bank of RTP TECHNICAL DOCUMENTATION Message Status Report. This document describes the Message Status Report (pacs.002) which is used to provide an immediate response and status for each RTP message. It also contains the list of acceptable reason codes that could be contained within a reject message. VERSION

2.3 -

BANKERS’ BANK IS LIVE WITH ITS FUNDING AGENT SOLUTION ON August 05, 2020. Madison, WI & New York – Bankers’ Bank, a correspondent bank that specializes in providing banking products to community banks, is now live with its Funding Agent solution and is providing funding and liquidity management services for IncredibleBank ℠ on the RTP® network developed by The Clearing House. APRP PREP TALK: STEPS TO PREPARING FOR THE 2021 EXAM Although Nacha owns the APRP program and exam, The Clearing House Payments Authority (TCHPA) is committed to helping payments professionals prepare to take the exam. This recorded session includes a discussion on the APRP certification and addresses frequently asked questions. Also included are details about the 2021 test window, the

exam

HOME | THE CLEARING HOUSEUID LOOKUPABOUT USRTPINNOVATIONCONNECTED

BANKINGADVOCACY

Providing for the Wellness of Our Employees and Ensuring the Smooth and Safe Functioning of Our Systems. TCH’s payments systems continue to run without interruption and we remain continually focused on taking all necessary steps to safeguard the systems we operate throughout this period. Learn more. Explore the Bill Pay Innovation

Journey in

UID LOOKUP | THE CLEARING HOUSECHIPSUID LOOKUP If you require assistance with the UID lookup, please call 800-875-2242, option 1, between the hours of 7AM to 7PM ET.

REAL TIME PAYMENTS

Real-Time Payments for All Financial Institutions. The RTP® network from The Clearing House is a real-time payments platform that all federally insured U.S. depository institutions are eligible to use for payments innovation. With mobile technology and digital commerce driving the need for safer and faster payments in the U.S., financial 051821_ADDRESSING_UNBANKED_UNDERBANKED NEW YORK – A new report, Delivering Financial Products and Services to the Unbanked and Underbanked in the United States – Challenges and Opportunities, from six trade groups outlines the obstacles and viable solutions for improving financial inclusion, providing access to bank accounts to the unbanked population in the United States, which currently represents approximately 6% of U.S

REAL TIME PAYMENTS

Document Library. Find all of the RTP ® network's security requirements, risk management specifications, fraud control requirements, compliance criteria, and more in the Document Library.. Documentation. Business Principles for the RTP ® Network; RTP ® Message Specifications 2.9; Introduction to the RTP ® System; RTP ® Prefunded Settlement Model and Reconciliation for Funding Participants CHIPS | THE CLEARING HOUSE CHIPS is the largest private sector USD clearing system in the world, clearing and settling $1.8 trillion in domestic and international payments per day. CHIPS provides fast and final payments and the most efficient liquidity savings mechanism available today. Its patented algorithm matches and nets payments resulting in an extremely

efficient

RTP PARTICIPATING FINANCIAL INSTITUTIONS Network Participating Financial Institutions. 4Front Credit Union. American Bank & Trust Company Inc. Anderson Brothers Bank. Associated Credit Union of Texas. Avidia Bank. Bank Independent. Bank of RTP TECHNICAL DOCUMENTATION Message Status Report. This document describes the Message Status Report (pacs.002) which is used to provide an immediate response and status for each RTP message. It also contains the list of acceptable reason codes that could be contained within a reject message. VERSION

2.3 -

BANKERS’ BANK IS LIVE WITH ITS FUNDING AGENT SOLUTION ON August 05, 2020. Madison, WI & New York – Bankers’ Bank, a correspondent bank that specializes in providing banking products to community banks, is now live with its Funding Agent solution and is providing funding and liquidity management services for IncredibleBank ℠ on the RTP® network developed by The Clearing House. APRP PREP TALK: STEPS TO PREPARING FOR THE 2021 EXAM Although Nacha owns the APRP program and exam, The Clearing House Payments Authority (TCHPA) is committed to helping payments professionals prepare to take the exam. This recorded session includes a discussion on the APRP certification and addresses frequently asked questions. Also included are details about the 2021 test window, the

exam

CONNECTED BANKING

Connected Banking. Why Connected Banking? Americans increasingly manage their money online, often using fintech apps that access consumers’ financial data. The current system of data aggregation and sharing limits consumer control and puts data privacy at risk. The Clearing House set out to increase awareness and facilitate solutions

to

TCH PAYMENTS AUTHORITY This two-day virtual workshop leverages track-based learning to provide payments training for participants with various levels of experience. Whether you're a novice or experienced payments professional, Payments University has got you covered with topics in ACH, card, check, RTP®, wire transfer and emerging payment products

and services.

EXECUTIVE TEAM

TCH's executive team brings deep expertise and many decades of experience to managing industrial strength payments systems, developing next generation payments technology, and engaging with the regulatory, legislative, legal, and law-enforcement communities to contribute to the rulemaking and standard-setting process affecting

the banking system.

THE CLEARING HOUSE

A.) Although we find no explanation available for why this field was originally assigned two character spaces, on September 17, 2021 this field will become not only optional, but will also allow Originators to choose to include the value “S” to identify a single entry, “R” for a recurring entry, or “ST” for a standing authorization (thus requiring room for two characters). ACH | THE CLEARING HOUSE ACH provides safe, efficient and cost-effective processing of electronic transactions in a batch environment. The Clearing House’s ACH operations service is called EPN, which handles essentially half the U.S. commercial ACH volume.

REAL TIME PAYMENTS

The RTP network, the real-time payments system from The Clearing House, is the first new core payments infrastructure in the U.S. in more than 40 years, is currently accessible to financial institutions that hold 70% of U.S. demand deposit accounts (DDAs), PAYMENT INDUSTRY CERTIFICATIONS The APRP credential demonstrates that you, or your employees, have mastered the complexities of risk management for ACH, check, wire, debit, credit and prepaid cards, and emerging and alternative payments. Accreditation Owner: Nacha. 2021 APRP test window: August 2-28, 2021. APRP Prep Talk: Steps to Preparing for the APRP Exam.

CREATE AN ACCOUNT

Create an Account. In order to register for training or purchase products from the TCH Store, your new account must be fully activated. Once you've submitted your contact information, you will receive an activation email. Be sure to follow the instructions included in that

message.

APRP PREP TALK: STEPS TO PREPARING FOR THE 2021 EXAM Although Nacha owns the APRP program and exam, The Clearing House Payments Authority (TCHPA) is committed to helping payments professionals prepare to take the exam. This recorded session includes a discussion on the APRP certification and addresses frequently asked questions. Also included are details about the 2021 test window, the

exam

ACH PRENOTES AND NOCS Prenotes allow Originators and ODFIs to verify an account number for a Receiver prior to sending a live dollar transaction, but did you know that RDFIs are responsible for ensuring every Prenote received contains a valid account number and that Originators can send live entries as soon as the third banking day following settlement of a

Prenote?

HOME | THE CLEARING HOUSEUID LOOKUPABOUT USRTPINNOVATIONCONNECTED

BANKINGADVOCACY

Providing for the Wellness of Our Employees and Ensuring the Smooth and Safe Functioning of Our Systems. TCH’s payments systems continue to run without interruption and we remain continually focused on taking all necessary steps to safeguard the systems we operate throughout this period. Learn more. Explore the Bill Pay Innovation

Journey in

UID LOOKUP | THE CLEARING HOUSECHIPSUID LOOKUP If you require assistance with the UID lookup, please call 800-875-2242, option 1, between the hours of 7AM to 7PM ET.

REAL TIME PAYMENTS

Real-Time Payments for All Financial Institutions. The RTP® network from The Clearing House is a real-time payments platform that all federally insured U.S. depository institutions are eligible to use for payments innovation. With mobile technology and digital commerce driving the need for safer and faster payments in the U.S., financial 051821_ADDRESSING_UNBANKED_UNDERBANKED NEW YORK – A new report, Delivering Financial Products and Services to the Unbanked and Underbanked in the United States – Challenges and Opportunities, from six trade groups outlines the obstacles and viable solutions for improving financial inclusion, providing access to bank accounts to the unbanked population in the United States, which currently represents approximately 6% of U.S

REAL TIME PAYMENTS

Document Library. Find all of the RTP ® network's security requirements, risk management specifications, fraud control requirements, compliance criteria, and more in the Document Library.. Documentation. Business Principles for the RTP ® Network; RTP ® Message Specifications 2.9; Introduction to the RTP ® System; RTP ® Prefunded Settlement Model and Reconciliation for Funding Participants CHIPS | THE CLEARING HOUSE CHIPS is the largest private sector USD clearing system in the world, clearing and settling $1.8 trillion in domestic and international payments per day. CHIPS provides fast and final payments and the most efficient liquidity savings mechanism available today. Its patented algorithm matches and nets payments resulting in an extremely

efficient

RTP PARTICIPATING FINANCIAL INSTITUTIONS Network Participating Financial Institutions. 4Front Credit Union. American Bank & Trust Company Inc. Anderson Brothers Bank. Associated Credit Union of Texas. Avidia Bank. Bank Independent. Bank of RTP TECHNICAL DOCUMENTATION Message Status Report. This document describes the Message Status Report (pacs.002) which is used to provide an immediate response and status for each RTP message. It also contains the list of acceptable reason codes that could be contained within a reject message. VERSION

2.3 -

BANKERS’ BANK IS LIVE WITH ITS FUNDING AGENT SOLUTION ON August 05, 2020. Madison, WI & New York – Bankers’ Bank, a correspondent bank that specializes in providing banking products to community banks, is now live with its Funding Agent solution and is providing funding and liquidity management services for IncredibleBank ℠ on the RTP® network developed by The Clearing House. APRP PREP TALK: STEPS TO PREPARING FOR THE 2021 EXAM Although Nacha owns the APRP program and exam, The Clearing House Payments Authority (TCHPA) is committed to helping payments professionals prepare to take the exam. This recorded session includes a discussion on the APRP certification and addresses frequently asked questions. Also included are details about the 2021 test window, the

exam

HOME | THE CLEARING HOUSEUID LOOKUPABOUT USRTPINNOVATIONCONNECTED

BANKINGADVOCACY

Providing for the Wellness of Our Employees and Ensuring the Smooth and Safe Functioning of Our Systems. TCH’s payments systems continue to run without interruption and we remain continually focused on taking all necessary steps to safeguard the systems we operate throughout this period. Learn more. Explore the Bill Pay Innovation

Journey in

UID LOOKUP | THE CLEARING HOUSECHIPSUID LOOKUP If you require assistance with the UID lookup, please call 800-875-2242, option 1, between the hours of 7AM to 7PM ET.

REAL TIME PAYMENTS

Real-Time Payments for All Financial Institutions. The RTP® network from The Clearing House is a real-time payments platform that all federally insured U.S. depository institutions are eligible to use for payments innovation. With mobile technology and digital commerce driving the need for safer and faster payments in the U.S., financial 051821_ADDRESSING_UNBANKED_UNDERBANKED NEW YORK – A new report, Delivering Financial Products and Services to the Unbanked and Underbanked in the United States – Challenges and Opportunities, from six trade groups outlines the obstacles and viable solutions for improving financial inclusion, providing access to bank accounts to the unbanked population in the United States, which currently represents approximately 6% of U.S

REAL TIME PAYMENTS

Document Library. Find all of the RTP ® network's security requirements, risk management specifications, fraud control requirements, compliance criteria, and more in the Document Library.. Documentation. Business Principles for the RTP ® Network; RTP ® Message Specifications 2.9; Introduction to the RTP ® System; RTP ® Prefunded Settlement Model and Reconciliation for Funding Participants CHIPS | THE CLEARING HOUSE CHIPS is the largest private sector USD clearing system in the world, clearing and settling $1.8 trillion in domestic and international payments per day. CHIPS provides fast and final payments and the most efficient liquidity savings mechanism available today. Its patented algorithm matches and nets payments resulting in an extremely

efficient

RTP PARTICIPATING FINANCIAL INSTITUTIONS Network Participating Financial Institutions. 4Front Credit Union. American Bank & Trust Company Inc. Anderson Brothers Bank. Associated Credit Union of Texas. Avidia Bank. Bank Independent. Bank of RTP TECHNICAL DOCUMENTATION Message Status Report. This document describes the Message Status Report (pacs.002) which is used to provide an immediate response and status for each RTP message. It also contains the list of acceptable reason codes that could be contained within a reject message. VERSION

2.3 -

BANKERS’ BANK IS LIVE WITH ITS FUNDING AGENT SOLUTION ON August 05, 2020. Madison, WI & New York – Bankers’ Bank, a correspondent bank that specializes in providing banking products to community banks, is now live with its Funding Agent solution and is providing funding and liquidity management services for IncredibleBank ℠ on the RTP® network developed by The Clearing House. APRP PREP TALK: STEPS TO PREPARING FOR THE 2021 EXAM Although Nacha owns the APRP program and exam, The Clearing House Payments Authority (TCHPA) is committed to helping payments professionals prepare to take the exam. This recorded session includes a discussion on the APRP certification and addresses frequently asked questions. Also included are details about the 2021 test window, the

exam

TCH PAYMENTS AUTHORITY This two-day virtual workshop leverages track-based learning to provide payments training for participants with various levels of experience. Whether you're a novice or experienced payments professional, Payments University has got you covered with topics in ACH, card, check, RTP®, wire transfer and emerging payment products

and services.

CONNECTED BANKING

Connected Banking. Why Connected Banking? Americans increasingly manage their money online, often using fintech apps that access consumers’ financial data. The current system of data aggregation and sharing limits consumer control and puts data privacy at risk. The Clearing House set out to increase awareness and facilitate solutions

to

EXECUTIVE TEAM

TCH's executive team brings deep expertise and many decades of experience to managing industrial strength payments systems, developing next generation payments technology, and engaging with the regulatory, legislative, legal, and law-enforcement communities to contribute to the rulemaking and standard-setting process affecting

the banking system.

OWNER BANKS

Need Help? If you have tried resetting your password and are still having trouble, please contact The Clearing House support team at 800-875-2242, extension 3. ACH | THE CLEARING HOUSE ACH provides safe, efficient and cost-effective processing of electronic transactions in a batch environment. The Clearing House’s ACH operations service is called EPN, which handles essentially half the U.S. commercial ACH volume.

CREATE AN ACCOUNT

Create an Account. In order to register for training or purchase products from the TCH Store, your new account must be fully activated. Once you've submitted your contact information, you will receive an activation email. Be sure to follow the instructions included in that

message.

PAYMENT INDUSTRY CERTIFICATIONS The APRP credential demonstrates that you, or your employees, have mastered the complexities of risk management for ACH, check, wire, debit, credit and prepaid cards, and emerging and alternative payments. Accreditation Owner: Nacha. 2021 APRP test window: August 2-28, 2021. APRP Prep Talk: Steps to Preparing for the APRP Exam.

THE CLEARING HOUSE

A.) Although we find no explanation available for why this field was originally assigned two character spaces, on September 17, 2021 this field will become not only optional, but will also allow Originators to choose to include the value “S” to identify a single entry, “R” for a recurring entry, or “ST” for a standing authorization (thus requiring room for two characters). ACH PRENOTES AND NOCS Prenotes allow Originators and ODFIs to verify an account number for a Receiver prior to sending a live dollar transaction, but did you know that RDFIs are responsible for ensuring every Prenote received contains a valid account number and that Originators can send live entries as soon as the third banking day following settlement of a

Prenote?

APRP PREP TALK: STEPS TO PREPARING FOR THE 2021 EXAM Although Nacha owns the APRP program and exam, The Clearing House Payments Authority (TCHPA) is committed to helping payments professionals prepare to take the exam. This recorded session includes a discussion on the APRP certification and addresses frequently asked questions. Also included are details about the 2021 test window, the

exam

HOME | THE CLEARING HOUSEUID LOOKUPABOUT USRTPINNOVATIONCONNECTED

BANKINGADVOCACY

Providing for the Wellness of Our Employees and Ensuring the Smooth and Safe Functioning of Our Systems. TCH’s payments systems continue to run without interruption and we remain continually focused on taking all necessary steps to safeguard the systems we operate throughout this period. Learn more. Explore the Bill Pay Innovation

Journey in

UID LOOKUP | THE CLEARING HOUSECHIPSUID LOOKUP If you require assistance with the UID lookup, please call 800-875-2242, option 1, between the hours of 7AM to 7PM ET. Search by CHIPS Universal Identifier (UID#), by BIC/SWIFT, or by UID name. Refine your search by city or country.

REAL TIME PAYMENTS

Real-Time Payments for All Financial Institutions. The RTP® network from The Clearing House is a real-time payments platform that all federally insured U.S. depository institutions are eligible to use for payments innovation. With mobile technology and digital commerce driving the need for safer and faster payments in the U.S., financial

REAL TIME PAYMENTS

Document Library. Find all of the RTP ® network's security requirements, risk management specifications, fraud control requirements, compliance criteria, and more in the Document Library.. Documentation. Business Principles for the RTP ® Network; RTP ® Message Specifications 2.9; Introduction to the RTP ® System; RTP ® Prefunded Settlement Model and Reconciliation for Funding Participants TCH PAYMENTS AUTHORITY This two-day virtual workshop leverages track-based learning to provide payments training for participants with various levels of experience. Whether you're a novice or experienced payments professional, Payments University has got you covered with topics in ACH, card, check, RTP®, wire transfer and emerging payment products

and services.

CHIPS | THE CLEARING HOUSE CHIPS is the largest private sector USD clearing system in the world, clearing and settling $1.8 trillion in domestic and international payments per day. CHIPS provides fast and final payments and the most efficient liquidity savings mechanism available today. Its patented algorithm matches and nets payments resulting in an extremely

efficient

OWNER BANKS

Need Help? If you have tried resetting your password and are still having trouble, please contact The Clearing House support team at 800-875-2242, extension 3. 051821_ADDRESSING_UNBANKED_UNDERBANKED NEW YORK – A new report, Delivering Financial Products and Services to the Unbanked and Underbanked in the United States – Challenges and Opportunities, from six trade groups outlines the obstacles and viable solutions for improving financial inclusion, providing access to bank accounts to the unbanked population in the United States, which currently represents approximately 6% of U.S BANKERS’ BANK IS LIVE WITH ITS FUNDING AGENT SOLUTION ON August 05, 2020. Madison, WI & New York – Bankers’ Bank, a correspondent bank that specializes in providing banking products to community banks, is now live with its Funding Agent solution and is providing funding and liquidity management services for IncredibleBank ℠ on the RTP® network developed by The Clearing House. RTP TECHNICAL DOCUMENTATION Message Status Report. This document describes the Message Status Report (pacs.002) which is used to provide an immediate response and status for each RTP message. It also contains the list of acceptable reason codes that could be contained within a reject message. VERSION

2.3 -

HOME | THE CLEARING HOUSEUID LOOKUPABOUT USRTPINNOVATIONCONNECTED

BANKINGADVOCACY

Providing for the Wellness of Our Employees and Ensuring the Smooth and Safe Functioning of Our Systems. TCH’s payments systems continue to run without interruption and we remain continually focused on taking all necessary steps to safeguard the systems we operate throughout this period. Learn more. Explore the Bill Pay Innovation

Journey in

UID LOOKUP | THE CLEARING HOUSECHIPSUID LOOKUP If you require assistance with the UID lookup, please call 800-875-2242, option 1, between the hours of 7AM to 7PM ET. Search by CHIPS Universal Identifier (UID#), by BIC/SWIFT, or by UID name. Refine your search by city or country.

REAL TIME PAYMENTS

Real-Time Payments for All Financial Institutions. The RTP® network from The Clearing House is a real-time payments platform that all federally insured U.S. depository institutions are eligible to use for payments innovation. With mobile technology and digital commerce driving the need for safer and faster payments in the U.S., financial

REAL TIME PAYMENTS

Document Library. Find all of the RTP ® network's security requirements, risk management specifications, fraud control requirements, compliance criteria, and more in the Document Library.. Documentation. Business Principles for the RTP ® Network; RTP ® Message Specifications 2.9; Introduction to the RTP ® System; RTP ® Prefunded Settlement Model and Reconciliation for Funding Participants TCH PAYMENTS AUTHORITY This two-day virtual workshop leverages track-based learning to provide payments training for participants with various levels of experience. Whether you're a novice or experienced payments professional, Payments University has got you covered with topics in ACH, card, check, RTP®, wire transfer and emerging payment products

and services.

CHIPS | THE CLEARING HOUSE CHIPS is the largest private sector USD clearing system in the world, clearing and settling $1.8 trillion in domestic and international payments per day. CHIPS provides fast and final payments and the most efficient liquidity savings mechanism available today. Its patented algorithm matches and nets payments resulting in an extremely

efficient

OWNER BANKS

Need Help? If you have tried resetting your password and are still having trouble, please contact The Clearing House support team at 800-875-2242, extension 3. 051821_ADDRESSING_UNBANKED_UNDERBANKED NEW YORK – A new report, Delivering Financial Products and Services to the Unbanked and Underbanked in the United States – Challenges and Opportunities, from six trade groups outlines the obstacles and viable solutions for improving financial inclusion, providing access to bank accounts to the unbanked population in the United States, which currently represents approximately 6% of U.S BANKERS’ BANK IS LIVE WITH ITS FUNDING AGENT SOLUTION ON August 05, 2020. Madison, WI & New York – Bankers’ Bank, a correspondent bank that specializes in providing banking products to community banks, is now live with its Funding Agent solution and is providing funding and liquidity management services for IncredibleBank ℠ on the RTP® network developed by The Clearing House. RTP TECHNICAL DOCUMENTATION Message Status Report. This document describes the Message Status Report (pacs.002) which is used to provide an immediate response and status for each RTP message. It also contains the list of acceptable reason codes that could be contained within a reject message. VERSION

2.3 -

REAL TIME PAYMENTS

The RTP network, the real-time payments system from The Clearing House, is the first new core payments infrastructure in the U.S. in more than 40 years, is currently accessible to financial institutions that hold 70% of U.S. demand deposit accounts (DDAs),

THE CLEARING HOUSE

A.) Although we find no explanation available for why this field was originally assigned two character spaces, on September 17, 2021 this field will become not only optional, but will also allow Originators to choose to include the value “S” to identify a single entry, “R” for a recurring entry, or “ST” for a standing authorization (thus requiring room for two characters).

CONNECTED BANKING

Connected Banking. Why Connected Banking? Americans increasingly manage their money online, often using fintech apps that access consumers’ financial data. The current system of data aggregation and sharing limits consumer control and puts data privacy at risk. The Clearing House set out to increase awareness and facilitate solutions

to

RTP PARTICIPANTS AND ROUTING/TRANSIT NUMBERS Routing/Transit Numbers. The RTP ® network already reaches more than 50% of U.S. demand deposit accounts, so chances are, receive volume is available for your financial institution. Check Financial Institutions that are live on the RTP network and all RTP enabled Routing/Transit Numbers. Updated regularly.. RTP enabled Routing/Transit Numbers

CREATE AN ACCOUNT

Create an Account. In order to register for training or purchase products from the TCH Store, your new account must be fully activated. Once you've submitted your contact information, you will receive an activation email. Be sure to follow the instructions included in that

message.

ACH | THE CLEARING HOUSE ACH provides safe, efficient and cost-effective processing of electronic transactions in a batch environment. The Clearing House’s ACH operations service is called EPN, which handles essentially half the U.S. commercial ACH volume. BANKERS’ BANK IS LIVE WITH ITS FUNDING AGENT SOLUTION ON Madison, WI & New York – Bankers’ Bank, a correspondent bank that specializes in providing banking products to community banks, is now live with its Funding Agent solution and is providing funding and liquidity management services for IncredibleBank ℠ on the RTP® network developed by The Clearing House. Understanding the funding and liquidity management needs of RTP PARTICIPATING FINANCIAL INSTITUTIONS Network Participating Financial Institutions. 4Front Credit Union. American Bank & Trust Company Inc. Anderson Brothers Bank. Associated Credit Union of Texas. Avidia Bank. Bank Independent. Bank of SHERPA IS FIRST CUSO TO ENABLE A CREDIT UNION ON RTP Sherpa Technologies is First CUSO to Enable a Certified Credit Union on RTP® Network. May 12, 2020. Today, there was another first for the RTP® network. Sherpa Technologies has become the first credit union-specific, non-core third-party service provider (TPSP) and credit union service organization (CUSO) to provide a hosted gateway

to the

SVPCO PRODUCT SHOWCASE SVPCO Product Showcase. Register to find out why SVPCO is the premier image network in the United States. Webinar registrants will learn how SVPCO offers attractive exchange partners, flexible settlement options and a wide array of value added services including online adjustments at a competitive price to other options in the marketplace. Skip to Main Content

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MAIN CONTENT

PROVIDING FOR THE WELLNESS OF OUR EMPLOYEES AND ENSURING THE SMOOTH AND SAFE FUNCTIONING OF OUR SYSTEMS TCH’s payments systems continue to run without interruption and we remain continually focused on taking all necessary steps to safeguard the systems we operate throughout this period. Learn more

.

FIND OUT HOW YOUR INSTITUTION CAN PROVIDE BETTER PRODUCTS FOR YOUR CUSTOMERS ON THE RTP NETWORK Explore the Bill Pay Innovation Journey in the Innovation Center and see how TCH identified core issues, conducted design thinking workshops, created prototypes, and prepared the Bill Pay Pilot. Learn

more .

FINANCIAL INDUSTRY LEADERS LAUNCH NEW STREAMLINED DATA SHARING RISK

ASSESSMENT SERVICE

New offering makes it more efficient for fintechs and aggregators to provide crucial information for financial institutions to assess their risk and controls as they engage in data exchange agreements. Learn

more

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RTP®

RTP® NETWORK: THE NEW REAL-TIME PAYMENTS SYSTEM FOR ALL FINANCIAL

INSTITUTIONS

The RTP® network from The Clearing House is a real-time payments platform that all U.S. financial institutions are using for payments innovation. Learn more .

Innovation

INNOVATION CENTER: EXPLORE THE SIX STEPS TO INNOVATION The Innovation Center highlights new ideas and technologies that The Clearing House, member banks, industry partners and technology companies are bringing to the market. Learn more.

Advocacy

ADVOCACY ACTIVITIES

The Clearing House Association is a leader in payments advocacy, maintaining its historic depth and breadth of engagement with policymakers, regulators, media, academics, and the industry.  Learn

more .

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EVENTS AND FORUMS NEAR YOU, AND ONLINE The Clearing House is hosting a number of live and virtual events to help individuals and their organizations learn more about how it can help financial institutions of all sizes. Learn more . THE CLEARING HOUSE SITE FOOTER

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