Accredited ACH Professional (AAP) Practice Exam 2025 - Free AAP Practice Questions and Study Guide

The Receiving Depository Financial Institution (RDFI) is responsible for the final posting of ACH entries to individual accounts. This role is critical in the ACH process, as the RDFI receives the ACH entries from the ACH Operator and is tasked with ensuring that these entries are posted to the appropriate customer accounts.

Once an ACH transaction is initiated by the Originator and processed through the ACH Operator, the RDFI is the entity that interprets and executes the transaction by crediting or debiting the accounts of their customers. They take the necessary steps to ensure the correct funds are moved as specified in the transaction detail. This includes verifying the account information, managing any exceptions, and ensuring compliance with regulations.

Understanding the function of the RDFI highlights the importance of its role in the ACH network, establishing it as a key player in the successful completion of ACH transactions.