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.

July 31, 2018

The 2018 Annual Meeting included an important and informative presentation regarding cyber security, a topic at the forefront of our members’ concerns. COCHA was fortunate to have as our presenter Preston Ackerman with the Federal Bureau of Investigation to discuss issues regarding information sharing and cyber security.

The past year 2017-2018 has 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 Alerts are provided and the COCHA Board anticipates additional enhancements in the future.

A partnership between Metro Technology Center Downtown Business Campus and COCHA has been very productive, giving rise to both meeting space and several technology training opportunities for COCHA’s members. The most recent Annual Meeting also provided an opportunity for members to ask questions and provide input regarding the new technology and how members can best utilize that technology, as well as an additional live demonstration of the technology.

The Board conducted a search to fill a new position with COCHA, a “Membership Liaison.” 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.