Central Oklahoma Clearing House Association

Critical Protection for Financial Institutions

Our History

Our organization was founded in 1903. In 1973, the group was reorganized as the Central Oklahoma Clearing House Association, or COCHA, as we are known today.


February 5, 2002

CheckClear signs agreement to enable COCHA members as of March 31, 2002 to receive “Select” pricing on items being presented through Endpoint Image Exchange to other COCHA members in the 10th District. Through the efforts of our pilot test group consisting of BancFirst, Intrust Bank, Local Oklahoma Bank and the InterCept Group, an announcement declaring this “Select” pricing was made at the COCHA Annual Membership meeting in February 5, 2002.

October 3, 2002

BancFirst Oklahoma City and Intrust Bank of Wichita Kansas join together to exchange the very first images in the United States. After many months of testing and creating rules for the Endpoint Image Exchange, the first live images have been successfully exchanged and settled.

August 10, 2005

COCHA Board signs agreement to become a Sponsoring Organization for member institutions to utilize the ECCHO Rules for The Endpoint Exchange Network. With this announcement, more than 4,000 Endpoint Exchange Network member institutions will be eligible to exchange checks under the ECCHO rule set in accordance with the sponsorship agreement. Endpoint Exchange Network member institutions can leverage ECCHO membership to insure collection and settlement of electronic cash letters is controlled by a single, standard, national rule set.

August 31, 2005

Endpoint Exchange & M&I Bank First To Offer New National Clearing House Check Image Exchange Product-- The Endpoint Exchange Network, a Metavante company, today announced that M&I Marshall & Ilsley Bank (M&I) is its first member institution to offer The National Clearing House (NCHA) Image Exchange Plus products. These optional check clearing products will provide Endpoint Exchange member institutions with the ability to truncate 100 percent of their forward collection volume. By accepting all checks using the Image Exchange Plus products, M&I Bank will allow other Endpoint Exchange members to clear any check that is otherwise not electronically tradable. “Endpoint Exchange will first seek to channel items to an image exchangeable member or partner as it normally does, if the item cannot be cleared using this process it can than be routed to M&I National Plus to complete the transaction.” said John Roberts, president, M&I Support Services Corp., a Marshall & Ilsley division that processes and clears more than 800 million items annually.

April 30, 2009

COCHA’s Paper Clearing Program ends on April 30, 2009. The Central Oklahoma Clearing House Association discontinued the exchange of paper checks on April 30, 2009 due to declining volume.

February 20, 2019

The past two years have been eventful and productive for COCHA, and the Board of Directors has been very active in taking progressive steps and enhancing the services that COCHA provides. COCHA retained Technivation LLC to significantly upgrade and enhance the technology platform on which COCHA's Salary Survey and Fraud Alerts are provided and the COCHA Board anticipates additional enhancements in the future.

Beginning in 2017, a partnership between Metro Technology Center Downtown Business Campus and COCHA has been very helpful, giving rise to both meeting space and several technology training opportunities for COCHA's members. The 2018 Annual Meeting included an important and informative presentation regarding cyber security, a topic at the forefront of COCHA's members' concerns. COCHA's keynote speaker was Preston Ackerman with the Federal Bureau of Investigation who discussed issues regarding information sharing and cyber security. The Annual Meetings have also provided opportunities for members to ask questions and provide input regarding the new technology and how members can best utilize that technology, as well as additional live demonstrations of the technology.

In 2018, Allied Solutions presented a seminar for COCHA members at MetroTech's Downtown Business Campus to address debit and credit card fraud. Allied Solutions (www.alliedsolutions.net) and MetroTech (http://dbc.metrotech.edu) have both become Associate Members of COCHA.

Advanced Fraud Solutions (https://www.advancedfraudsolutions.com) was contracted by COCHA to provide discounted products and services to COCHA members and to present webinars. The Board is also exploring strategic alliances with other providers in the payments industry to further enhance the benefits which COCHA provides to its members.

The 2019 Annual Meeting was held at the Oklahoma City Golf and Country club on February 20, 2019, with Chad Wilkerson of the Federal Reserve Bank of Kansas City as the keynote speaker. Bryan Smith, First Bethany Bank & Trust, assumed the position of President. Pauline Garrett, First National Bank & Trust of Chickasha, was elected President-Elect and also was named by the Board as Treasurer. First Bethany Bank & Trust and First Liberty Bank, Oklahoma City, sponsored the Annual Meeting.

Additional alert types have been added to COCHA's Alerts technology platform, which are highlighted on this website on the "Risk Management" pages and Important COCHA Fraud Alert Technology Use Reminders can also be found there.

COCHA's Board of Directors are listed here and on the "Leaders" page of this website. Strategic Planning for COCHA and COCHA's membership is underway.

Board Member Name Financial Institution
President Bryan Smith First Bethany Bank & Trust
Bethany, Oklahoma
President Elect Pauline Garrett First National Bank & Trust
Chickasha, Oklahoma
Past President Mary Schroeder Bank 2
Oklahoma City, Oklahoma
Lavonda Crutcher First Liberty Bank
Oklahoma City, Oklahoma
Jodie Giocondi INTRUST Bank
Edmond, Oklahoma
Jason Hensley City National Bank
Lawton, Oklahoma
Steve McConnell WEOKIE Federal Credit Union
Oklahoma City, Oklahoma
Jesse Sumner TTCU Federal Credit Union
Tulsa, Oklahoma
Grant Weiland Teachers Credit Union
Oklahoma City, Oklahoma
Lance Worsham Alligiance Credit Union
Oklahoma City, Oklahoma