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Dealing with ACH Tax Refunds: Exceptions, Posting & Liabilities

Jan 20 2:00 PM - Jan 20, 2022 3:00 PM
Jan 20, 2022 2:00 PM - 3:00 PM
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The federal government is one of the single largest users of the ACH Network. Proper handling of ACH tax refunds and exceptions is crucial to reducing losses, increasing compliance, and keeping accountholders happy. Now is the time to prepare!

Learning Objectives

  • Understand your financial institution’s liability for IRS tax refunds
  • Properly handle refunds issued to deceased individuals
  • Distinguish between state and federal tax refund responsibilities
  • Decide which entries to post and which to return
  • Use Nacha’s opt-in option for the return of questionable refunds

The IRS issues over 101 million tax refunds annually and over 80% of these are via Direct Deposit. The average refund is over $3,000. Each spring financial institutions are faced with the challenges associated with exception processing related to ACH tax refund payments. This session is designed to ensure efficient processing of ACH tax refunds and, more importantly, protect your financial institution from losses from incorrect payment handling. Topics will include name/account number mismatches, deceased recipients, posting to incorrect accounts, and other exception items.



Michele L. Barlow, AAP, NCP, Macha/PAR

Michele Barlow is the Senior Vice President at Macha/PAR (Everything Payments, Everywhere), with offices in Wisconsin and Maryland. Before joining the Macha team in2009, Michele spent several years as a corporate trainer in the financial industry. She is responsible for development and execution of association training and certification programs, conference planning, and member service. Michele is a past member of Nacha’s Blue Ribbon Panel and currently serves on the APRP Oversight Panel, the Payments Institute Board of Regents, and Nacha’s LMS Editorial Board. She is active on other national committees, and a frequent speaker at industry events. She obtained her AAP certification in 2010, her NCP in 2011, and became an NCP Certified Trainer in 2012.Michele holds a bachelor’s from the University of Wisconsin.




Live and recorded webinar, handouts, quiz with answer key and training log are included.

Your registration includes unlimited locations (until further notice), making it easier to share and learn with remote staff during the coronavirus crisis. Training materials will be available to download the day of the event.

Additional Info

Event Type


Topics Covered

  • Compliance
  • Live Webinars