Currently there is not an out of the box solution within CCB, CCS, C2M that allows for our utility customers to identify International ACH Transactions (IAT) which is required in order to meet NACHA Operating Rules & Guidelines.
I have attached a copy of the Automated Clearing House (ACH) User Guide from Wells Fargo which outlines the definition of IAT truncations and how they should be handled (refer to the section for International ACH Transactions (IAT) starting on page 12 of the attached documentation).
Any violation of not meeting the IAT guidelines will result in a fine to the utility company for not adhering to the NACHA operating guidelines. Therefore, our current customer implementation made the decision to block payments that would qualify as an IAT transaction.
The only way in which someone can know which bank routing/bank account number combinations (e.g. bank account patterns) quality as IAT is to review guidelines from the utility ACH Processor, which, in our specific case is Wells Fargo.
We are looking for a solution in order to comply with the NACHA IAT rules with C2M.
NACHA IAT_v1.docx