Value tracking and reporting of automated clearing house transactions

A computer-implemented method for value tracking of automated clearing house (“ACH”) payments processed by an ACH operator, comprising the steps of:

• receiving via a computer an ACH file at the ACH operator for ACH processing by the ACH operator, the ACH file comprising an ACH batch that comprises at least one ACH payment originated by a remote sending point on behalf of an originating depository financial institution (“ODFI”) and forwarded to the ACH operator by the remote sending point;
• adding via the computer a sum value of the at least one ACH payment in the ACH batch to a value of payments previously processed for the ODFI to obtain an accumulated payment value;
• comparing via the computer the accumulated payment value to a pre-established payment cap to determine whether the accumulated payment value exceeds the payment cap;
• processing the at least one ACH payment in response to a determination that the accumulated payment value does not exceed the payment cap;
• and
• determining whether to override the payment cap and to process the at least one ACH payment in response to a determination that the accumulated payment value exceeds the payment cap.

A computer-implemented method for value tracking of automated clearing house (“ACH”) payments processed by an ACH operator, comprising the steps of:

• receiving via a computer at the ACH operator an ACH file for ACH processing by the ACH operator, the ACH file comprising at least one ACH debit payment originated by a remote sending point on behalf of an originating depository financial institution (“ODFI”) and forwarded to the ACH operator by the remote sending point;
• adding via the computer a sum value of the at least one ACH debit payment to a value of prior debit payments previously processed for the ODFI during a specified time period to obtain an accumulated payment value;
• determining via the computer whether the accumulated payment value exceeds a pre-established debit payment cap;
• and
• rejecting the at least one ACH debit payment in response to a determination that the accumulated payment value exceeds the payment cap.