Deposits and Payments Kit
For deposit accounts, debit and prepaid cards, and payment programs. Reg E error resolution is where most consumer findings start, so the kit pairs the policy with a step-by-step procedure and a log that calculates each deadline.
$995
Per institution. Fintech or Bank edition. Includes 12 months of updates.
FintechBankDeposits and Payments Kit
DOCXXLSXPDF
What’s in the Deposits and Payments Kit
- Reg E policy, error resolution procedure, and an error resolution log that calculates deadlines and provisional credit dates
- Truth in Savings (Reg DD), deposit insurance representations, and account opening and closing policies
- ACH and Nacha rules policy, including the 2026 fraud monitoring requirements
- Card disputes and chargebacks, negative balance and overdraft, garnishment, and unclaimed property documents
- Fintech edition adds the custodial (FBO) account policy and reconciliation workbook
- Bank edition adds the funds availability (Reg CC) policy
Every file, by edition
Where a bank and a fintech run a program differently, each edition has its own version of the document. Where the rule works the same way for both, one document covers both editions.
Fintech edition: 13 files
Deposits and payments (11)
- Electronic Fund Transfers (Reg E) Policy
- Truth in Savings (Reg DD) Policy
- Deposit Insurance Representations Policy
- Account Opening and Closing Policy
- Garnishment and Legal Process Policy
- Unclaimed Property Policy
- ACH and Nacha Rules Policy
- Card Disputes and Chargebacks Policy
- Custodial (FBO) Account Recordkeeping and Reconciliation Policy
- Reg E Error Resolution Procedure
- Negative Balance and Overdraft Procedure
Tools and maps (2)
- Reg E Error Resolution Log
- Custodial Account Reconciliation Workbook
Bank edition: 12 files
Deposits and payments (11)
- Electronic Fund Transfers (Reg E) Policy
- Truth in Savings (Reg DD) Policy
- Funds Availability (Reg CC) Policy
- Deposit Insurance Representations Policy
- Account Opening and Closing Policy
- Garnishment and Legal Process Policy
- Unclaimed Property Policy
- ACH and Nacha Rules Policy
- Card Disputes and Chargebacks Policy
- Reg E Error Resolution Procedure
- Negative Balance and Overdraft Procedure
Tools and maps (1)
- Reg E Error Resolution Log
Kit facts
| Editions | Fintech and Bank editions. Choose the Fintech edition if a sponsor bank holds your accounts, cards, or loans; choose the Bank edition if your institution holds the charter, including banks that sponsor fintech programs. Credit unions use the Bank edition. |
|---|---|
| Files | Fintech edition: 13 · Bank edition: 12 |
| Formats | Editable Word and Excel files, with PDF reference copies. No macros, scripts, or links to outside data sources. |
| Version | Version 1.0, regulatory content current as of October 2026. |
| Updates | 12 months of updates included. Each file shows the date its regulatory content is current through. |
| After the first year | Updates continue at $149 a year (15% of the kit price). Automatic renewal is optional, chosen at checkout, and can be cancelled anytime. You keep the files either way. |
| License | One institution, internal use. Edit the files, remove our branding, and share your adopted versions with your sponsor bank, examiners, and auditors. Read the Terms of Use and license. |
| Delivery | Download right after checkout; the link is also sent by email. Card or invoice; see vendor information for procurement teams. |
- Secure checkout Payment is entered on Stripe’s encrypted checkout. Card and bank details never reach our servers.
(opens in a new tab) - Immediate delivery Your download link appears right after checkout and is also sent by email.
- Receipt and invoice Stripe emails a receipt and an invoice in your institution’s name for accounts payable.
- Safe, standard files Word and Excel files with PDF copies. No macros, scripts, or links to outside data sources.
- Edition replacement If you receive the wrong edition, email us within 30 days and we will send the correct one.
Not sure which kit fits?
Try the two free tools and the sample pages first, or ask about advisory support for a full program build.