Stop Payment Versus Written Statement of Unauthorized Debit (WSUD): Which Is It?

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ACH payments are supposed to be automated. However, sometimes manual intervention is required – and it can be confusing! ACH items can be returned as stop payment or unauthorized, but which code is right and does the accountholder need to complete a Written Statement of Unauthorized Debit or an ACH Stop Payment form? This webinar will explore stop payments and unauthorized returns and provide an easy formula for knowing which code and form are correct.


  • How the ACH rules define an unauthorized ACH entry and the correct return reason codes 
  • Determining whether an ACH item can be returned as a stop payment and the proper procedures 
  • How to properly complete Written Statements of Unauthorized Debit and ACH Stop Payment forms to ensure compliance 
  • Comparison of ACH rules and Regulation E for disputed ACH items


  • Stop payment versus unauthorized process flowchart
  • Employee training log
  • Quiz you can administer to measure staff learning and a separate answer key

This informative session will best suit ACH professionals, audit/compliance personnel, frontline staff, branch managers, and ACH operations staff.

PLEASE NOTE:  The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone.

Jen Kirk is the VP of Industry Relations, for EPCOR. She has been with EPCOR since 2002, and has presented at several national conferences on subjects such as ACH risk, ACH enforcement, ACH relationships, government ACH payments, and preparing for the Accredited ACH Professional (AAP) exam. Jen has served as a member of the National ACH Association (NACHA) Rules and Operations Committee, Member Rules Review Panel, Electronic Check Council, and was co-chair of the National ACH Forum Education Committee. Jen obtained her AAP in 2003, and received an MBA from Ohio University in 2008.

Originally recorded on October 29, 2018.

Recorded webinar is available until April 30, 2018.

Free Digital Copy included with purchase to download and view beyond link expiration date.

Price includes sales tax.