Accredited ACH Professional (AAP) Practice Exam

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Prepare for the Accredited ACH Professional (AAP) Exam with tailored questions and study materials to enhance your understanding of ACH transactions and operations. Test your skills and readiness for this important certification!

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How long does the ODFI have to send an RDFI, upon written request, a copy of the item related to an RCK?

5 Banking Days
10 Banking Days
15 Banking Days
20 Banking Days

The correct answer is: 10 Banking Days

The ODFI (Originating Depository Financial Institution) is required to respond to a written request from an RDFI (Receiving Depository Financial Institution) for a copy of the item related to an RCK (Re-presented Check) within a specified time frame. According to the NACHA Operating Rules, the ODFI must provide this information within 10 banking days of receiving the request. This requirement ensures that RDFIs can efficiently handle inquiries and disputes regarding transactions involving RCKs, maintaining transparency and accountability in the ACH network. The 10 banking days response time is designed to balance the need for timely information with operational considerations of the ODFI, facilitating smooth communication and dispute resolution between financial institutions.