Maintaining Your Status

Maintaining Your AAP Status

As an Accredited ACH Professional, you’re required to maintain your status by earning 60 Continuing Education credits within the five-year accreditation period, with no more than 20 credits completed per year. Fifty minutes of educational activity is equal to one renewal credit: if you participate in an hour and a half (90 minutes) teleseminar, for instance, you should divide 90 by 50, which gives you 1.8 renewal credits.

Continuing Education courses can take a variety of formats, but must fall under one of the six general ACH topic areas:

  • General Payment Overview/Comparative Payment Systems
  • Marketing & Products
  • Risk Management
  • Rules & Regulations
  • Operational Process/Flow
  • Technical Standards/Format







The types of educational activities that count toward accreditation renewal vary widely:


  • Attend a professional seminar or training, such as those offered through The Payments Institute or Regional Payments Associations.
  • Volunteer on certain NACHA or Regional Payments Association committees or Board of Directors, or enroll in the NACHA Buddy Program as a mentor.
  • Publish an article, book or paper on an ACH topic.
  • Teach a course or seminar on an AAP-related topic.

For more details on eligible educational activities, please refer to the Continuing Education Guidelines.

Filing Continuing Education Credits

You can file your credits either online or by U.S. mail. To file by mail, please complete the continuing education submission form.  Please note: Class of 2016 Accredited ACH Professionals (AAPs) are not eligible to report 2016 Continuing Education Credits.

To use the online system, you’ll need to login to the NACHA website with your email address and password, then navigate to My Education Credit under your User Profile. In that section, you’ll find tools to pay the credit submission fee, report those credits, and view total credits. After you have paid the credit submission fee, navigate back to My Education Credit under your User Profile to add your credits. After the reporting deadlines close, NACHA will forward you a confirmation of earned credits. You will need to login to your User Profile to view your credits. If you find any discrepancies between your records and ours, please let us know within 30 days.


NACHA conducts 50 audits per year of AAP renewal credits, so you must retain copies of your supporting documentation for at least three years. Any credits that can’t be substantiated, in the event of an audit, will be disqualified.


Accreditation Dates

Continuing Education courses allow the Accredited ACH Professional to stay up-to-date on new rules, regulations and products within the payments industry. The financial institutions, service providers and educational organizations that make up the payments industry support this effort to keep AAPs at the head of their field by offering Continuing Education courses. ACH professionals, on the other hand, benefit by gleaning new information from Continuing Education Courses, which they then use to strengthen their organizations and the quality of the ACH Network as a whole.

2016 AAP Continuing Education Credit Submission Dates and Fees

March 31, 2017 - Standard deadline to submit credits - $95/member $165/nonmember
April 30, 2017 - Late deadline to submit credits - additional $50

Please note: Class of 2016 Accredited ACH Professionals (AAPs) are not eligible to report 2016 Continuing Education Credits.