Dealing with ACH Tax Refunds: Exceptions, Posting

Dealing with ACH Tax Refunds: Exceptions, Posting & Liabilities 

Wednesday, January 19, 2022
3:00 pm – 4:30 pm Eastern

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!


  • 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.


This session is ideal for ACH operations staff, AAP candidates, audit personnel, and compliance staff.


  • Electronic copy of government payments exception handling quick reference cards
  • Employee training log 
  • Interactive quiz


Michele L. Barlow, AAP, NCP

Michele Barlow is the Senior Vice President at Macha/PAR (Everything Payments, Everywhere), with offices in Wisconsin and Maryland.  Before joining the Macha team in 2009, 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.

Attendance verification for CE credits provided upon request.

Webinar Sponsored by Financial Education & Development

If you are having issues with registering online, please contact CBAO's Education, Training & Special Events Coordinator, Patti Webb, (614) 610-1877.

Registration Options (Member/Non-Member Pricing)
Live Webinar ($345/$490) – The live webinar option allows you to have one internet connection from a single computer terminal. You may have as many people as you like listen and watch from your office computer. Registrants receive a website address and passcode that will allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, passcode, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at

Recorded Webinar + Free Digital Download ($265/$400)– Can’t attend the live webinar? This option provides a recording of the live event, including audio, visuals, and handouts. We even provide the presenter’s email address for follow-up questions. You will receive an email with the recorded webinar link, which can be viewed anytime 24/7, beginning 6 business days after the webinar. You will also receive instruction on how to download a free digital copy of the webinar to your PC, which you may keep and use indefinitely.

Additional Live Webinar Connections ($175/$260)  – Registering another banker from a different location

Both Live Webinar & Recorded webinar + Free Digital Download ($395/$600)– Includes Live Webinar and Recorded Webinar options above.


Sign In