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The NACHA rule helps Originators identify checks eligible for conversion under ARC, POP, and BOC.
See the detailed list of checks that cannot be converted under ARC, POP, and BOC.
Determining Eligibility
Checks that can be converted under ARC, POP, and BOC include:
- Checks that are 6 inches in length.
- Checks longer than 6 inches WITHOUT the Auxiliary On-US field.
- Checks in the amount of $25,000 of less.
If the consumer or business has contacted the Originator to opt out of check conversion, the check CANNOT be converted.
View frequently asked questions about identifying business checks ineligible for conversion »
Originator/ODFI Responsibilities
- Educate and inform customers about check conversion rules and best practices.
- Provide an opt-out option for customers.
- Provide a copy of authorization or source document within 10 banking days if requested by the RDFI (business' bank).
- Do not present both source document and ARC, POP, or BOC entry.
- Do not present ineligible items.
- Do not present unauthorized items.
- Do not present items that are greater than $25,000.
- Know the Rules: Any of the above may result in a Report of Possible ACH Rules Violation, and fines may be incurred.
Request the full Originator/ODFI training presentation »
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