UMACHA 50 years of guiding payments


American Bankers Association

American Bankers Association - Washington DC

The American Bankers Association is the united voice of America's banks—small, regional and large—that together employ more than 2 million women and men, hold nearly $17 trillion in assets, safeguard $13 trillion in deposits and extend more than $10 trillion in loans.

ABA believes that government policies should recognize the industry’s diversity and role as drivers of economic growth and job creation. Laws and regulations should be tailored to correspond to a bank’s charter, business model, local markets and risk profile so banks across America can serve their customers and communities.

Contact:  Krista Donlon   202-663-5127


BankBeat - Minneapolis, MN is the premier online source for timely or breaking community banking news. is the perfect complement to our monthly print magazine BankBeat (formerly NorthWestern Financial Review), which offers in-depth articles that analyze and inform the most important trends, topics and issues in the industry. The name BankBeat signals a renewed commitment to people who work in banking. When something is alive, it has a beat, and we believe banking is very much alive. In journalism, reporters cover a beat, and for us, the only beat is banking.

Contact:  Tom Bengston   612-929-8110

BankIn Minnesota

Organized in 1962 as Independent Bankers of Minnesota & previously known as Independent Community Bankers of Minnesota (ICBM), the current BankIn Minnesota was created to represent the unique interests of independent unit banks in Minnesota.

Every educational opportunity, networking event, and legislative advocacy effort conducted through BankIn Minnesota is created for community bankers by community bankers. BankIn Minnesota provides a source of information and a powerful voice in government by uniting the influence of all community bankers under a single entity. When BankIn Minnesota works to represent your bank, you’re being represented by a fellow community banker.

Contact:  Patti Coles 651-789-3987  Patti@Minnesota.Bank

Center For Payments

The Center for Payments is a cooperative program sponsored by 10 payments associations with the purpose of helping members and staff better prepare for the continued evolution in U.S. payment systems. Current participants in the program include ePayResources, EPCOR, MACHA, NEACH, PaymentsFirst, Shazam, Southern Financial Exchange, The Clearing House Payments Authority, UMACHA and WesPay.  These associations represent over 10,000 financial institution members, businesses and stakeholders with an interest in U.S. payment systems.

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Credit Union Associations of the Dakotas

The Credit Union Association of the Dakotas (CUAD) is the professional financial trade association serving 72 credit unions that employ nearly 2,200 individuals in 230 branches.

With more than 492,000 members in North and South Dakota, Dakota credit unions have assets in excess of $7.1 billion and are currently providing Dakota consumers with over $5 billion in loans.

In our mission to help credit unions succeed, CUAD plays a key role in growing membership and helping to provide service excellence to members from offices in Bismarck, North Dakota and Sioux Falls, South Dakota. 

Contact:  701-250-3968

Credit Union National Association

Credit Union National Association is the most influential financial services trade association and the only national association that advocates on behalf of all of America's credit unions. We work tirelessly to protect your best interests in Washington and all 50 states. We fuel your professional growth at every level and champion the credit union story at every turn.


ECCHO was created twenty-eight years ago to facilitate the electronification of the check, was at the forefront of the Check 21 effort and worked hard to achieve full-scale image exchange.  When the Fed requested public comment on amendments to Reg CC, ECCHO worked with its counsel to map the proposed changes on a 50+ page spreadsheet, facilitated a subcommittee to walk through each change and get members’ feedback, and sent a detailed response to the Fed.  ECCHO created a webinar and briefing paper to explain proposed changes in plain language. 

ECCHO responded  to the unprecedented  proposal of the FTC to ban RCCs, which would stifle legitimate payments based on an incorrect perception of the level of fraud.  ECCHO responded to the Fed’s Consultation Paper which recommends creating a new Faster Payments system while not supporting any improvements to the check payment system.  ECCHO continually monitors the environment for opportunities and liaises with industry groups.

Contact: Scott Miller 214-273-3200

Federal Reserve Bank of Minneapolis

The Federal Reserve System is the central bank of the United States. Congress created the Federal Reserve through a law passed in 1913, charging it with a responsibility to foster a sound banking system and a healthy economy. This broad mission remains today for the Federal Reserve Bank of Minneapolis and the 11 other Federal Reserve Banks, each serving a specific region of the country.

The Minneapolis Fed, with one branch in Helena, Montana, serves six states of the Ninth Federal Reserve District: Minnesota, Montana, North and South Dakota, 26 counties in northwestern Wisconsin and the Upper Peninsula of Michigan.

FRPA - Your Partner in Fighting Financial Crime

Since 1997, The Financial and Retailers Protection Association (FRPA), has been the Midwest leader and not-for-profit organization dedicated exclusively to fighting financial and serious retail property crimes. It is the only organization in the United States that focuses on local concerns and looks for global property crime trends to prevent, identify and deter these types of crimes through education.

The FRPA formed in 1997 in Minnesota as a not-for-profit association and quickly expanded to provide member support to other states interested in our approach. The FRPA manages information from financial institutions and retailers regarding common investigations concerning financial frauds and serious organized property crimes. FRPA has developed theft reporting databases for use by its members, while actively looking for crime patterns and trends within the local community and for regional trends.

Contact: Kate Cole

ICBA - Independent Community Bankers Association

The Independent Community Bankers of America® creates and promotes an environment where community banks flourish. With more than 52,000 locations nationwide, community banks constitute 99 percent of all banks, employ more than 760,000 Americans and are the only physical banking presence in one in five U.S. counties. Holding more than $4.9 trillion in assets, $3.9 trillion in deposits, and $3.4 trillion in loans to consumers, small businesses and the agricultural community, community banks channel local deposits into the Main Streets and neighborhoods they serve, spurring job creation, fostering innovation and fueling their customers’ dreams in communities throughout America.

ICBND - Independent Community Bankers of North Dakota

The Independent Community Banks of North Dakota is the only statewide association exclusively representing the independent community banks of North Dakota. We enable our independent member banks to provide competitive, profitable, high-quality financial services to their communities.

We at ICBND are driven by the needs of our members. Our mission is to be a proactive industry advocate before state, federal, legislative and regulatory bodies; to promote the importance of community banks to local, state, and national economies; and to create cooperative products, services, and educational offerings to assist our members to compete and flourish in a constantly changing financial services marketplace.

Contact: Jessie Pfaff

ICBSD - Independent Community Bankers of South Dakota

Federal regulations are restricting community banks which are an integral part of South Dakota’s Main Street! Independent community banks reinvest local dollars into families, small businesses and farm operations which creates jobs and stimulates growth within their communities. It is our mission to protect and enhance independent community banks throughout South Dakota.

Contact: Megan Olson 605-878-3040

Minnesota Bankers Association (MBA)

The MBA is the champion for Minnesota bankers, representing 95% of Minnesota chartered banks and savings and loans.  Since 1889 the Minnesota Bankers Association (MBA) has been serving Minnesota's banking community.  We are extremely proud of our long history and our close working relationship with our members. Along with the education, legal, legislative, and insurance areas, members receive value added quality products and services to ensure that they receive the most from their membership.

Membership in the MBA is available to commercial banks, trust companies and savings associations with an office in the state of Minnesota. In addition, the MBA has over 120 associate members serving the banking industry. This strong membership base allows the MBA to provide all members with unparalleled advocacy and exceptional products and services. The governing body of the Minnesota Bankers Association is its Board of Directors consisting of a Chair, Vice Chair/Treasurer, Immediate Past Chair, one Director from each of MBA's six districts, and two At-Large Directors. The association leadership changes every June.

Contact: Carla Bush (952) 857-2605

Montana Bankers Associaton

MBA Vision

A sound, effective financial system is vital to the well-being, strength, and prosperity of Montana's economy.  The cornerstone of Montana's financial system must continue to be the commercial banking industry. The Montana Bankers Association exists to assure the continued strength of community banks as providers of capital, credit, financial services, asset management, intermediaries, employment, and corporate citizens.

MBA Mission
The mission of the Montana Bankers Association is enriching the lives of all Montanans through strong community-focused banks.

Contact: Pam O-Reilly  (406)443-4121

MCUL - Michigan Credit Union League

The Michigan Credit Union League will strengthen the credit union community and its image by providing advocacy on important issues, coordinating cooperative initiatives and by providing high-quality solutions that help credit unions succeed and enrich the lives of their members.

Contact: Jessica Bradley (800) 262-6285 ext 584

Minnesota Credit Union Network (MCUN)

The Minnesota Credit Union Network is the state trade association for Minnesota’s credit unions. The Network, working in conjunction with the Credit Union National Association (CUNA), works to ensure the success, growth and vitality of our member credit unions by creating a positive public environment through leadership, political advocacy, education, awareness and regulatory assistance.

We value our members' continued trust in us, and we appreciate the opportunity to be able to serve credit unions throughout the state.

Contact: Ben Hering

Montana Credit Union Network

Based in Helena, Montana, Montana’s Credit Unions exists to promote and enhance a thriving credit union community. Its various entities support this mission.

The Montana Credit Union League provides dues-supported services that protect, advocate, and inform.
The League Service Group provides quality business services for Montana’s credit unions.
Montana Credit Unions for Community Development implements programs through credit unions that improve the social and economic well being of Montanans.
Montana Credit Union Group Benefit Trust provides health insurance, an EAP, the Healthy You! Wellness Program, and other insurance products to member credit unions.

Contact: Donya Parrish

Montana Independent Bankers (MIB)

The Montana Independent Bankers Association has faithfully served Montana’s community banks for over 50 years.  As the financial cornerstone of their communities, independent banks are a powerful force in shaping our state’s economy.  Locally founded and owned, often by multiple generations of Montanans, these banks are characterized by their adherence to the small-town values of business integrity, financial responsibility, and personal service for their customers.   MIB provides these banks with the multi-level support they need to function at their optimum.  After all, healthy banks mean prosperous communities.

Contact: James Brown

Minnesota Association for Financial Professionals

The Minnesota Association for Financial Professionals (aka MNAFP or Minnesota AFP) provides a forum for the exchange of ideas, concepts and techniques related to the fields of treasury management, finance, investment management, and banking.  We encourage members to enhance their professional development through participation, education and networking. We also promote the spirit of unity and cooperation among our members and local businesses, government and educational institutions.

Contact: Kate Cole

Midwest Acquirers Association (MWAA)


The MWAA was founded on the belief it is important to educate Payment Professionals, such as ISOs, MSPs and Financial Institutions with the constantly changing information our industry dictates. We are committed to bringing you this information by involving all aspects of our community. We are a nonprofit, no-membership independent forum dedicated to you! We welcome your feedback and input.

North Dakota Bankers Association (NDBA)

The North Dakota Bankers Association (NDBA) has proudly served North Dakota's banking industry for since 1889. NDBA is the professional trade association organized to effectively represent the common interest and welfare of banks in North Dakota and to promote the professional development of its members. It's the mission of the North Dakota Bankers Association to provide "Extraordinary Leadership for North Dakota Banks."

NDBA provides specific services that enhance the ability of member banks to operate effectively in providing services to the community. Each year, NDBA sponsors seminars, conferences, banking schools and an annual convention. Our educational programs strive to enhance the ability of its members to meet their needs in this complex and changing financial industry. Nurturing relationships between our member banks and organizations which provide products and services to them is of paramount interest. Consistent with that goal, the NDBA offers an Associate Membership to organizations engaged in the sale of goods and services to North Dakota banks.

Contact: Ann Reich

Remote Deposit Capture (RDC) was started in April 2005 in response to the growing interest in and demand for Remote Deposit Capture information and services. Previously, it was difficult for parties interested in Remote Deposit Capture to find comprehensive independent information on products, services, vendors, banks, industry updates and more.

As an independent company, offers visitors comprehensive coverage and is the industry's authority for information and services on Remote Deposit Capture.

For vendors and service providers, offers the only media channel dedicated to this specific industry segment, one which will arguably have the largest impact on banking in the USA since the advent of online banking

Contact: Jennifer Merritt 1-888-290-1581 EXT. 703

South Dakota Bankers Association (SDBA)

The SDBA is the professional and trade association for South Dakota's financial services industry. Established in 1884, the SDBA enhances members' ability to be preeminent providers of financial services.

Contact: Halley Lee 605-224-1653

TPPPA - Third Party Payment Processors Association

The Third Party Payment Processors Association (TPPPA) is a national not-for-profit industry association representing and promoting the interests of payment processors, their financial institutions and their merchants.

Contact: Marsha Jones 702-402-0416

Wisconsin Bankers Association

Founded in 1892, the Wisconsin Bankers Association is the state’s largest financial industry trade association, representing 235 commercial banks and savings institutions and almost 21,000 employees.

Of the nearly 235 Wisconsin banks, 97 percent are members of the Wisconsin Bankers Association. The Association represents banks of all sizes from banks in rural Wisconsin to the state's largest financial institution in Green Bay.