Accredited ACH Professional (AAP) Practice Exam

The responsibility of the Receiving Depository Financial Institution (RDFI) primarily revolves around managing entries that have been received from the Originating Depository Financial Institution (ODFI). Among these responsibilities are the timely receipt of entries, ensuring they are posted correctly to the appropriate accounts, and handling any necessary returns of entries, such as those that may be disputed or were posted in error.

Creating entries, however, falls outside the scope of the RDFI’s responsibilities. This task is designated to the ODFI, which is responsible for initiating and originating the ACH transactions. The RDFI's role is reactive rather than proactive in the transaction process; it receives entries rather than originating them.

Thus, understanding the distinct duties of the RDFI helps clarify why the creation of entries is not one of their responsibilities.