See the full payment flow
Connect the Originator, ODFI, ACH Operator, RDFI, and Receiver in one understandable process.
Jay Get It™ ACH Training
ACH Fundamentals Handbook: How ACH Payments Actually Work
Follow an ACH payment from the Originator to the Receiver—and build the practical foundation to explain timing, roles, credits, debits, and common customer questions with more confidence.
$12.99Instant digital access
20-page handbookVisual process diagramsReal-world practice
Understand the system—not just the terms
A clear foundation for everyday ACH questions
Learn where ACH fits in the payments ecosystem, who handles each stage, and why authorization, processing, settlement, and posting are not the same thing.
Explain timing clearly
Build a better understanding of how entries move and why ACH payments are not always instant.
Investigate with structure
Use a practical employee framework to ask better questions and approach common ACH situations.
The five key participants
Follow the ACH trail
Understand the role each participant plays as a payment instruction moves from initiation toward its final receiver.
1OriginatorStarts the payment instruction
2ODFIOriginating Depository Financial Institution
3ACH OperatorProcesses and routes entries
4RDFIReceiving Depository Financial Institution
5ReceiverReceives the payment entry
What you receive
ACH Fundamentals Handbook
Digital handbook20 pages
Training edition2026
Scenario labs3
DeliveryInstant
Inside the handbook
Learn it. See it. Practice it.
This practical resource combines essential ACH concepts with visual explanations, employee-focused examples, and reinforcement activities.
ACH compared with cards, checks, and wires
ACH Credit versus ACH Debit
The five participant roles
Entry initiation through posting
Authorization, processing, settlement, and posting
Common payroll, bill-pay, transfer, and business uses
Customer conversation examples
Knowledge checks, answer key, and quick review
Put the knowledge into practice
Three real-world scenario labs
Move beyond terminology by working through situations banking employees may encounter.
Missing Payroll
Work through what to ask when a customer’s expected direct deposit has not arrived.
Unrecognized Account Debit
Practice approaching an ACH debit that a customer does not recognize.
Bank-to-Bank Transfer
Learn how to approach a transfer that has not reached the receiving bank.
Built for practical learning
Who this handbook is for
Use it for self-study, onboarding, team development, or a focused ACH refresher.
New bank and credit union employees
Frontline banking professionals
Branch and contact center employees
Operations employees learning ACH
Financial-services professionals
Anyone building an ACH foundation
Build knowledge you can actually use
Make ACH easier to understand.
Strengthen your ACH foundation with a practical handbook designed to help you recognize the parties, follow the process, and approach common questions with greater clarity.
$12.99Get Instant Access →Digital educational resource delivered through Gumroad. Not legal, regulatory, compliance, or institution-specific operational advice.