ÿþ<?xml version="1.0" encoding="iso-8859-1"?> <!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"> <html xmlns="http://www.w3.org/1999/xhtml"> <head> <title>National Automated Clearing House Association, NSF, Notification Of Change, Originating Depository Financial Institution, Originator</title> <meta name="keywords" content="national automated clearing house association,nsf,notification of change,originating depository financial institution,originator"> <meta name="description" content="Learn about the National Automated Clearing House Association at Check Gateway. 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height: 25px; display:block; background: url(images/navSlogan.gif) no-repeat top left; padding: 0; margin: 0;"><span style="display:none;">Your Electronic payment gateway</span></h3></td> </tr> <tr> <td width="522" height="35" align="right" valign="bottom"> <table border="0" cellspacing="0" cellpadding="0" align="right"> <tr> <td><a href="index.shtml" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('navbutHome','','images/navbutHome2.gif',1)"><img src="images/navbutHome1.gif" name="navbutHome" width="69" height="35" border="0" id="navbutHome" /></a></td> <td><a href="payment-gateway-products.shtml" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('navbutProducts','','images/navbutProducts2.gif',1)"><img src="images/navbutProducts1.gif" name="navbutProducts" width="69" height="35" border="0" id="navbutProducts" /></a></td> <td><a href="resellers.shtml" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('navbutReseller','','images/navbutResellers2.gif',1)"><img src="images/navbutResellers1.gif" name="navbutReseller" width="69" height="35" border="0" id="navbutReseller" /></a></td> <td><a href="resource-center.shtml" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('navbutResource','','images/navbutResource2.gif',1)"><img src="images/navbutResource1.gif" name="navbutResource" width="69" height="35" border="0" id="navbutResource" /></a></td> <td><a href="news.shtml" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('navbutNews','','images/navbutNews2.gif',1)"><img src="images/navbutNews1.gif" name="navbutNews" width="69" height="35" border="0" id="navbutNews" /></a></td> <td><a href="company.shtml" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('navbutCompany','','images/navbutCompany2.gif',1)"><img src="images/navbutCompany1.gif" name="navbutCompany" width="69" height="35" border="0" id="navbutCompany" /></a></td> <td><a href="contact.aspx" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('navbutContact','','images/navbutContact2.gif',1)"><img src="images/navbutContact1.gif" name="navbutContact" width="69" height="35" border="0" id="navbutContact" /></a></td> <td><img src="images/navRight.gif" width="6" height="35" /></td> </tr> </table> </td> </tr> </table> </object> </td> </tr> <tr> <td height="149" background="images/internalTopBg.gif" colspan="3" align="center" valign="middle"> <table width="732" height="141" background="images/internalHeaderResellers.jpg" border="0" cellspacing="0" cellpadding="0" align="center" valign="middle"> <tr> <td align="right"> <div id="loginForm"> <form action="https://epn.checkgateway.com/MerchantCenter/MERCHANTLogin.aspx" method="post" style="padding: 0; margin: 0;"> <table border="0" cellspacing="0" cellpadding="0" valign="bottom"> <tr> <td width="125"><strong>CLIENT LOGIN</strong></td> <td>Username:&nbsp;</td> <td> <input type="text" name="entityid" class="formfields" size="15" style="background-color: transparent; border: 1px solid #999;" /> </td> <td width="75" align="right">Password:&nbsp;</td> <td> <input type="password" name="entitypw" class="formfields" size="15" style="background-color: transparent; border: 1px solid #999;" /> </td> <td>&nbsp;</td> <td><input type="image" name="submit" src="images/loginButton1.gif" width="22" height="22" /></td> <td width="15">&nbsp;</td> </tr> </table> </form> </div> </td> </tr> </table> </td> </tr> <tr> <td width="157" valign="top"> <div id="internalNav"> <img src="images/pixelTrans.gif" width="157" height="30" /><br /> <!--left side--> <table width="157" border="0" cellspacing="0" cellpadding="0"> <tr> <td> <table width="136" border="0" cellspacing="0" cellpadding="0" align="right"> <tr> <td height="21"> <!--glossary nav--> <h2 style="margin:0;padding:0">Glossary of Terms</h2> <div id="glossary-nav"> <ul> <li><a href="glossary_a-b.shtml">A-B</a></li> <li><a href="glossary_c-d.shtml">C-D</a></li> <li><a href="glossary_e-f.shtml">E-F</a></li> <li><a href="glossary_i-j.shtml">I-J</a></li> <li><a href="glossary_l-m.shtml">L-M</a></li> <li><a href="glossary_n-o.shtml">N-O</a></li> <li><a href="glossary_p-r.shtml">P-R</a></li> <li><a href="glossary_s-t.shtml">S-T</a></li> <li><a href="glossary_u-z.shtml">U-Z</a></li> </ul> </div> <!--end glossary nav--> </td> </tr> <tr> <td height="21" background="images/navBarBg.gif"> <img src="images/pixelTrans.gif" width="1" height="1" /> </td> </tr> </table> </td> </tr> <tr> <td><img src="images/internalPhone.gif" border="0" width="157" height="35" /></td> </tr> </table> <!--end left side--> <br /> <br /> </div> </td> <td background="images/internalBodyBg.gif" width="409" valign="top"> <img src="images/internalTitleGlossary.gif" width="409" height="54" /><br /> <div id="internalBodyContent"> <h1>CheckGateway.com s Glossary of Financial Terms (N-O)</h1> <p>Use CheckGateway.com as your information resource. Look through our glossary to get the details you need about merchant services, fraud protection and ACH processing.</p> <h2>National Automated Clearing House Association (NACHA)</h2> <p>A membership organization that provides marketing and education assistance and establishes the rules, standards and procedures that enable Financial Institutions to exchange ACH payments on a national basis.</p> <h2>Not Sufficient Funds (NSF) </h2> <p>A type of ACH return indicating that a customer s bank account does not have sufficient funds to cover a transaction.</p> <h2>Notification of Change</h2> <p>Notification to a merchant from a customer's bank indicating the bank account information provided with a specific transaction is incorrect.</p> <h2>Originating Depository Financial Institution (ODFI)</h2> <p>A participating financial institution that originates ACH entries at the request of and by agreement with its customers.</p> <h2>Originator</h2> <p>The individual or business that receives authorization from a customer to refund or charge their bank account.</p> </div> </td> <td width="186" valign="top"> <div id="newsHeader"> <a href="news.shtml"><img src="images/pixelTrans.gif" width="167" height="41" /></a><br /><br /> </div> <div id="homeNews"> <div id="news"> <!--#include file="SSI\news.shtml" --> </div> </div> </td> </tr> <tr> <td><img src="images/internalBodyFooter.gif" width="156" height="3" /></td> <td><img src="images/internalBodyFooter.gif" width="409" height="3" /></td> <td><img src="images/internalBodyFooter.gif" width="183" height="3" /></td> </tr> <tr> <td height="50" align="center" valign="middle" colspan="3"> <table width="752" border="0" cellspacing="0" cellpadding="0"> <tr> <td align="center"> <span class="textGrey"> <a href="index.shtml">Home</a> | <a href="payment-gateway-products.shtml">Products & Services</a> | <a href="resellers.shtml">Resellers</a> | <a href="resource-center.shtml">Resource Center</a> | <a href="news.shtml">News</a> | <a href="company.shtml">Company</a> | <a href="contact.aspx">Contact</a> | <a href="sitemap.shtml">Site Map</a> | <a href="privacy.shtml">Privacy Policy</a> <br /> </span> 2010 Copyright, Checkgateway </td> <td width="29">&nbsp;</td> </tr> </table> </td> </tr> <tr> <td height="45" align="center" colspan="3"> <!-- START SCANALERT CODE --><img src="images/acalogo.jpg" /> <a target="_blank" href="https://www.mcafeesecure.com/RatingVerify?ref=www.checkgateway.com"><img width="94" height="54" border="0" src="//images.scanalert.com/meter/www.checkgateway.com/13.gif" alt="McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams" oncontextmenu="alert('Copying Prohibited by Law - McAfee Secure is a Trademark of McAfee, Inc.'); return false;"></a> <a target="_BLANK" title="Checkgateway BBB Business Review" href="http://www.bbb.org/central-northern-western-arizona/business-reviews/bill-paying-service/checkgateway-in-phoenix-az-15003530/#bbbonlineclick"><img alt=" Checkgateway BBB Business Review" border="0" src="http://ourbbbonline2.bbb.org/Phoenix/BBBOnlineSeal/15003530/H2/0/seal.png" /></a><!-- END SCANALERT CODE --> </td> </tr> </table> <br /><br /> <script type="text/javascript"> var gaJsHost = (("https:" == document.location.protocol) ? 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