EPCOR Electronic Resources License
 

EPCOR Electronic Resources License

 

Annual BSA Training - Regulation D Training - New Employee Training – Training for All

Ensure your entire staff has a solid foundation in payments rules and regulations with annual access to our Electronic Resources License. One flat fee of just $225 – $700 covers your entire organization, providing each employee access to our entire on-demand library and helpful publications and tools. The courses included in the License are perfect for new employees or anyone who needs a refresher, and to meet annual training requirements such as Bank Secrecy Act (BSA) training, Regulation D and more!

The License includes suggested curriculums for everyone at your organization, from your frontline staff to your board of directors. The curriculums (listed below) are organized by payment type and by functional area so that you can easily match a learning path to each learner’s profile.

 

NEW Courses for 2025!

RTP® Rules & Regulations Overview Series

These micro courses give a brief overview of RTP® Rules and Regulations and annual RTP® audit requirements, including highlights from the RTP® self-audit workbook.

RTP® Rules and Regulations – Receiving Participant Only Series

These micro courses cover responsibilities specific to Receiving Participants including how to handle transaction responses and requests for return.

Understanding the RTP® Operating Rules for Sending & Receiving Participants

These micro courses cover the obligations of the Sending and Receiving Participants as per the RTP® Operating Rules and how the various regulations relate to both participants.

FedNow® Service Micro Course Series

This micro course series will cover FedNow® Service fundamentals including rules, messaging, funding requirements, common terms, use cases, transaction flow, funds availability, transaction limits and the ISO20022 format standard.

Frontline Fraud & Mitigation Series

This micro course series covers check alteration, counterfeit checks and fraudulent checks utilized to open new accounts. Your frontline staff will discover ways to identify these fraudulent items and determine ways to mitigate the fraud at the point the fraudulent item enters your financial institution.

ACH vs Regulation E – Beyond the 60 Days

We brought you the ACH vs Regulation E – Within 60 Days series in 2024 and have expanded on that series by adding what to do with disputed ACH transactions when you’re outside of the 60 days. Discover what the ODFI warranties are, what is considered “timely notice” and when to file an ACH warranty claim.

Plus, updated BSA Course Series to incorporate FinCEN’s final Beneficial Ownership Rules and updated Understanding Check Adjustments Course to include current adjustment types, timeframes and required documentation!

To Purchase the Electronic Resources License, please download and complete the application form.

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For help getting started with your new license, download the new Getting Started PDF and get the answers to some frequently asked questions with the FAQ PDF.

Getting
Started

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Frequently Asked Questions

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“We've been using the Electronic Resources License for a few years now. It has been a great help to new employees in our operations department and to refresh knowledge for the rest of us. Our retail admin team and customer service area also use some of the courses. The cost is very minimal, even for a larger institution of our size.”
– Anthony Morris, AAP, First Merchants Bank
 

Complete License Content List

If you would like to view a complete listing of all courses and publications included in the License, without the curriculum breakdown, click below.

 

 

Auto-Renew FAQs

If your institution purchased the License in 2020 or later, the License will be automatically renewed. If you have questions about this please view the FAQ document.

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On-Demand Learning Demo

Wish you could peek behind the curtain and see what our on-demand training is like before enrolling in the Electronic Resources License?

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Benefits and User Guidelines Informational Recording

This informational recording provides an overview of the Electronic Resources License, covering what the License is, how to use the License and steps to access the on-demand courses, tools and publications that are included with the License. Whether you are considering purchasing the License, or have already enrolled, this recording will help you understand how the License works and ways you could utilize it to benefit your organization.

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Curriculums by Payment System

FedNow Rules & Regulations Curriculum

FedNow Rules & Regulations Overview Series:

  • FedNow Participation Types
  • Overview of FedNow Operating Procedures

FedNow Rules & Regulations for Receiver Only FIs

  • Understanding FedNow - BSA/AML for Receiver FI
  • Understanding FedNow – Negative List for Receiving FIs
  • Understanding FedNow – OFAC for Receiver FIs
  • Understanding FedNow – Operating Circular 8 for Receiver FIs
  • Understanding FedNow – Regulation CC for Receiver FIs
  • Understanding FedNow – Regulation E for Receiver FIs
  • Understanding FedNow – Regulation J for Receiver FIs
  • Understanding FedNow – UCC 4A for Receiver FIs

FedNow Rules & Regulations for Sender & Receiver FIs

  • BSA/AML & FedNow for Sender & Receiver FIs
  • OFAC & FedNow for Sender & Receiver FIs
  • Regulation CC & FedNow for Sender & Receiver FIs
  • Regulation E & FedNow for Sender & Receiver FIs
  • UCC 4A & FedNow for Sender & Receiver FIs
  • Understanding FedNow – Negative List for Sending FIs
  • Understanding FedNow – OC8 for Sender & Receiver FIs
  • Understanding FedNow – Reg. J for Sender & Receiver

Instant Payment Use Cases Curriculum

  • Payment Product Comparison
  • Instant Payments Use Cases – Business
  • Instant Payments Use Cases – Consumer
  • Instant Payments Use Cases – Government
  • Choose Your Payment Product

ACH vs Third-Party Terms Curriculum

  • ACH vs Third-Party Terms: Authorizations
  • ACH vs Third-Party Terms: Entries Part 1
  • ACH vs Third-Party Terms: Entries Part 2
  • ACH vs Third-Party Terms: Entries Part 3
  • ACH vs Third-Party Terms: Files & Batches
  • ACH vs Third-Party Terms: Participants

RTP Rules & Regulations Curriculum

RTP Rules & Regulations Overview Series (micro courses, no more than 10 minutes long)

  • The RTP Annual Audit
  • RTP Rules and Regulations Overview
  • RTP Self-Audit Workbook Highlights

RTP Rules and Regulations – Receiving Participant Only Series

  • Understanding the RTP Operating Rules: Receiving Participant Responses
  • Understanding the RTP Operating Rules: Request for Return Response (Receiving Participant)
  • Understanding RTP Regulation E for Receiving Participants
  • Understanding RTP Regulation CC for Receiving Participants
  • Understanding RTP Regulation UCC 4A for Receiving Participants
  • Understanding RTP OFAC for Receiving Participants
  • Understanding RTP BSA/AML for Receiving Participants

Understanding the RTP Operating Rules for Sending & Receiving Participants Series

  • Understanding the RTP Operating Rules for Sending & Receiving Participants – Sending Participant Obligations
  • Understanding the RTP Operating Rules for Sending & Receiving Participants – Receiving Participant Responses
  • Understanding the RTP Operating Rules for Sending & Receiving Participants – Request for Return Response
  • Understanding the RTP Operating Rules for Sending & Receiving Participants – Request for Payment Breach of Warranty
  • Understanding RTP Regulation E for Sending and Receiving Participants
  • Understanding RTP OFAC for Sending and Receiving Participants
  • Understanding Regulation CC for Sending and Receiving Participants
  • Understanding UCC 4A for Sending and Receiving Participants
  • Understanding BSA/AML for Sending and Receiving Particpants

ACH Personnel Curriculum

Basic

Basic Courses (take in order)

  • ACH 101: ACH Participants and Transaction Flow
  • ACH 102: Recognizing an ACH Transaction
  • ACH 103: Legal Framework
  • ACH 104: Same Day ACH

Additional Basic Courses (take in any order)

  • Navigating the ACH Rules
  • Payments Systems Rules & Regulations: ACH
  • RDFI Returns
  • ACH Stop Payments
  • Consumer Unauthorized ACH Transactions
  • International ACH Transactions
  • An Intro to ACH Security: Operations Perspective
  • Basics of ACH Origination for Credit Unions
  • Prerequisites of ACH Origination for Credit Unions

Recommended Publications to Aid ACH Basic Courses:

  • ACH Quick Reference Guide
  • ACH Quick Reference Cards for FI*
  • Stop Payment Form
  • Written Statement of Unauthorized Debit Form

Intermediate

Intermediate Courses (take in order)

  • ACH 201: Authorizations & Agreements

Recommended Publications to Aid ACH Intermediate Courses

  • ACH Agreement & Tools
  • ACH Security Framework Checklist for FI’s

Intermediate Courses (take in any order)

  • Electronic Data Interchange
  • Federal Government Reclamations
  • Implementing an ACH Security Framework
  • ACH Security Framework for Originators

Check Personnel Curriculum

Basic

Basic Courses (take in order)

  • Checks 101: Basics and Transaction Flow
  • Checks 102: Legal Framework

Recommended Publications to Aid Check Basic Courses

  • Check/Image Flashcards*
  • Check/RDC Quick Reference Cards*

Intermediate

Intermediate Courses (take in any order)

  • Understanding Check Adjustments
  • Understanding the X9.100-187 Check Standard
  • RDC and the Regulatory Environment
  • Regulation CC – Subpart A – Purpose & Key Definitions
  • Regulation CC – Subpart B – Funds Availability
  • Regulation CC – Subpart C – Check Collection – Part 1
  • Regulation CC – Subpart C – Check Collection – Part 2
  • Regulation CC – Subpart D – Substitute Checks

Recommended Publications to Aid Check Intermediate Courses

  • Check Exceptions Toolkit (RDC Indemnity Claim Forms and Check/Image Breach of Warranty Claim Form)
  • RDC Checklists

Card Personnel Curriculum

Basic

Basic Courses (take in order)

  • Cards 101

Recommended Publications to Aid Card Basic Courses

  • Debit Card Quick Reference Cards*
  • EFT Dispute Toolkit

Wire Personnel Curriculum

Basic

Basic Courses (take in order)

  • Wires 101: Fundamentals
  • Wires 102: Legal Framework

Recommended Publications to Aid Wire Basic Courses

  • Wire Audit Checklist

*Indicates this is not included in the Electronic Resource License. You may purchase it via the EPCOR online store.

 

Curriculums by Job Function

Frontline Personnel Curriculum

Basic

ACH Basic Courses (take in order)

  • ACH 101: ACH Participants and Transaction Flow
  • ACH 102: Recognizing an ACH Transaction
  • ACH 103: Legal Framework
  • ACH 104: Same Day ACH

Additional ACH Basic Courses (take in any order)

  • Payments Systems Rules & Regulations: ACH

Recommended Publications to Aid ACH Basic Courses:

  • ACH Quick Reference Guide
  • ACH Quick Reference Cards for FI*

Check Basic Courses (take in order)

  • Checks 101: Basics and Transaction Flow
  • Checks 102: Legal Framework

Recommended Publications to Aid Check Basic Courses:

  • Check/Image Flashcards*
  • Check/RDC Quick Reference Cards*

Card and Wire Basic Courses (take in order)

  • Cards 101
  • Wires 101: Fundamentals
  • Wires 102: Legal Framework

Recommended Publications to Aid Card Basic Courses:

  • Debit Card Quick Reference Cards*
  • EFT Dispute Toolkit

Recommended Publications to Aid in Wire Basic Courses:

  • Wire Audit Checklist

Basic Regulatory Courses (take in order)

  • BSA 101: Bank Secrecy Act (BSA) Basic
  • BSA 102: BSA/AML Compliance Program
  • Regulation D 101: Purpose and Scope
  • Regulation D 102: Transaction vs Non-Transaction Accounts
  • Regulation GG Requirements and Compliance
  • Regulation E Subpart A - Fundamentals

Recommended Publications to Aid in Basic Regulatory Courses:

  • BSA Quick Reference Resource

Intermediate

Intermediate ACH Courses (take in order)

  • ACH 201: Authorizations & Agreements

Recommended Publications to Aid ACH Intermediate Courses

  • ACH Agreement & Tools
  • Stop Payment Form
  • Written Statement of Unauthorized Debit Form

Intermediate ACH Courses (take in any order)

  • ACH Stop Payments
  • Consumer Unauthorized ACH Transactions

Intermediate Check Courses (can take out of order)

  • Understanding Check Adjustments
  • RDC and the Regulatory Environment

Recommended Publications to Aid Check Intermediate Courses:

  • Check Exceptions Toolkit (RDC Indemnity Claim Forms and Check/Image Breach of Warranty Claim Form)
  • RDC Checklists

Intermediate Regulatory Courses (take in order)

  • BSA 201: BSA Reporting & Non-Compliance
  • Regulation D 201: Transaction Limitations
  • Regulation E Subpart A - Disclosures & Notices
  • Regulation E Subpart A - Investigations
  • Regulation CC – Subpart A – Purpose & Key Definitions
  • Regulation CC – Subpart B – Funds Availability
  • Regulation CC – Subpart C – Check Collection – Part 1
  • Regulation CC – Subpart C – Check Collection – Part 2
  • Regulation CC – Subpart D – Substitute Checks

Operations Personnel Curriculum

Basic

ACH Basic Courses (take in order)

  • ACH 101: ACH Participants and Transaction Flow
  • ACH 102: Recognizing an ACH Transaction
  • ACH 103: Legal Framework
  • ACH 104: Same Day ACH

Additional ACH Basic Courses (take in any order)

  • Navigating the ACH Rules
  • Payments Systems Rules & Regulations: ACH
  • RDFI Returns
  • ACH Stop Payments
  • Consumer Unauthorized ACH Transactions

Recommended Publications to Aid ACH Basic Courses:

  • ACH Quick Reference Guide
  • ACH Quick Reference Cards for FI*
  • Stop Payment Form
  • Written Statement of Unauthorized Debit Form

Check Basic Courses (take in order)

  • Checks 101: Basics and Transaction Flow
  • Checks 102: Legal Framework

Recommended Publications to Aid Check Basic Courses:

  • Check/Image Flashcards*
  • Check/RDC Quick Reference Cards*

Cards Basic Courses (take in order)

  • Cards 101

Recommended Publications to Aid Card Basic Courses:

  • Debit Card Quick Reference Cards*
  • EFT Dispute Toolkit

Wires Basic Courses (take in order)

  • Wires 101: Fundamentals
  • Wires 102: Legal Framework

Recommended Publications to Aid in Wire Basic Courses:

  • Wire Audit Checklist

Intermediate

ACH Intermediate Courses (take in order)

  • ACH 201: Authorizations & Agreements

Recommended Publications to Aid ACH Intermediate Courses:

  • ACH Agreement & Tools

ACH Intermediate Courses (can take courses out of order)

  • Electronic Data Interchange
  • Federal Government Reclamations
  • Implementing an ACH Security Framework
  • International ACH Transactions

Check Intermediate Courses (can take courses out of order)

  • Understanding Check Adjustments
  • Understanding the X9.100-187 Check Standard
  • RDC and the Regulatory Environment
  • Regulation CC – Subpart A – Purpose & Key Definitions
  • Regulation CC – Subpart B – Funds Availability
  • Regulation CC – Subpart C – Check Collection – Part 1
  • Regulation CC – Subpart C – Check Collection – Part 2
  • Regulation CC – Subpart D – Substitute Checks

Recommended Publications to Aid Check Intermediate Courses:

  • Check Exceptions Toolkit (RDC Indemnity Claim Forms and Check/Image Breach of Warranty Claim Form)
  • RDC Checklists

Regulatory/Compliance Personnel Curriculum

Basic

ACH Basic Courses (take in order)

  • ACH 101: ACH Participants and Transaction Flow
  • ACH 102: Recognizing an ACH Transaction
  • ACH 103: Legal Framework
  • ACH 104: Same Day ACH

Recommended Publications to Aid ACH Basic Courses:

  • ACH Quick Reference Guide
  • ACH Quick Reference Cards for FI*

Check Basic Courses (take in order)

  • Checks 101: Basics and Transaction Flow
  • Checks 102: Legal Framework

Recommended Publications to Aid Check Basic Courses:

  • Check/Image Flashcards*
  • Check/RDC Quick Reference Cards*

Wires Basic Courses (take in order)

  • Wires 101: Fundamentals
  • Wires 102: Legal Framework

Recommended Publications to Aid in Wire Basic Courses:

  • Wire Audit Checklist

Regulatory Basic Courses (take in order)

  • BSA 101: Bank Secrecy Act (BSA) Basics
  • BSA 102: BSA/AML Compliance Program
  • Regulation D 101: Purpose and Scope
  • Regulation D 102: Transaction vs Non-Transaction Accounts
  • Regulation E Subpart A: Fundamentals
  • Regulation GG Requirements and Compliance

Recommended Publication to Aid in Regulatory Basic Courses:

  • BSA Quick Reference Resource

Intermediate

ACH Intermediate Courses (take in order)

  • ACH 201: Authorizations & Agreements

ACH Intermediate Courses (can be taken out of order)

  • Navigating the ACH Rules
  • Payments Systems Rules & Regulations: ACH
  • RDFI Returns
  • ACH Stop Payments
  • Consumer Unauthorized ACH Transactions
  • International ACH Transactions
  • An Intro to ACH Security: Operations Perspective
  • Basics of ACH Origination for Credit Unions
  • Prerequisites of ACH Origination for Credit Unions
  • Federal Government Reclamations
  • Implementing an ACH Security Framework
  • ACH Security Framework for Originators

Recommended Publications to Aid in ACH Intermediate Courses:

  • Stop Payment Form
  • Written Statement of Unauthorized Debit Form
  • ACH Agreement & Tools

Check Intermediate Courses (can take out of order)

  • RDC and the Regulatory Environment

Recommended Publications to Aid Check Intermediate Courses:

  • Check Exceptions Toolkit (RDC Indemnity Claim Forms and Check/Image Breach of Warranty Claim Form)
  • RDC Checklists

Regulatory Intermediate Courses (take in order)

  • BSA 201: Reporting & Non-Compliance
  • Regulation D 201: Transaction Limitations
  • Regulation E Subpart A: Disclosures & Notices
  • Regulation E Subpart A: Investigations
  • Regulation E Subpart B International Remittance
  • Regulation CC – Subpart A – Purpose & Key Definitions
  • Regulation CC – Subpart B – Funds Availability
  • Regulation CC – Subpart C – Check Collection – Part 1
  • Regulation CC – Subpart C – Check Collection – Part 2
  • Regulation CC – Subpart D – Substitute Checks

Sr. Management Personnel Curriculum

Basic

Sr. Management Basic Courses (can take out of order)

  • ACH Risk Management: Community Bank Board Lecture
  • BSA 101: Bank Secrecy Act (BSA) Basics
  • BSA 102: BSA/AML Compliance Program
  • Regulation D 101: Purpose and Scope
  • Regulation D 102: Transaction vs Non-Transaction Accounts
  • Regulation GG Requirements and Compliance
  • Regulation E Subpart A: Fundamentals

Intermediate

Sr. Management Intermediate Courses

  • BSA 201: BSA Reporting & Non-Compliance
  • Regulation D 201: Transaction Limitations
  • Regulation E Subpart A - Disclosures & Notices
  • Regulation E Subpart A - Investigations
  • Regulation CC – Subpart A – Purpose & Key Definitions
  • Regulation CC – Subpart B – Funds Availability
  • Regulation CC – Subpart C – Check Collection – Part 1
  • Regulation CC – Subpart C – Check Collection – Part 2
  • Regulation CC – Subpart D – Substitute Checks

*Indicates this is not included in the Electronic Resource License. You may purchase it via the EPCOR online store.

Select courses are now available as SCORM files so that you may add them to your own Learning Management System platform!
For more information contact Member Support at 800.500.0100 or memserve@epcor.org.

For full course and publication descriptions, please visit the online store.